Credit Cards
We have a credit card for everyone!
Low-Rate
Visa® Credit Card
Our Low-Rate Visa® credit card is perfect for new cardholders or balance carriers seeking immediate savings via our lowest interest rate.
Rebate-Eligible
Visa® Credit Card
Our Rebate-Eligible Visa® credit card is ideal for balance carriers looking to earn back a portion of the annual interest via our Loan Interest Rebate.1
Rewards
Visa® Credit Card
Our Rewards Visa® credit card is designed for members who like earning cash back, merchandise, or gift cards for every dollar spent.
Compare Credit Cards
| Programs | Low-Rate Visa | Rebate-Eligible Visa | Rewards Visa |
|---|---|---|---|
Variable APR for Purchases(the APR will vary with the market based on the prime rate) |
10.49% |
12.49% |
13.49% |
| No International Transaction Fees4 | |||
| No annual fee | |||
| No Cash Advance Fees | |||
| Free Travel Accident Insurance | |||
| Free Auto Rental Insurance | |||
| Contactless Chip-Enabled Security | |||
| Introductory APR on balance transfers | |||
| Eligible for Year-End Loan Interest Rebate1 | |||
| YourRewards program with double points for the first 90 days | |||
| In-Branch Card Printing | |||
| Mobile Wallet Compatible | |||
| Fraud and theft protection | |||
| Visa Zero Liability Protection | |||
| Card Lock |
Visa® Disclosures
- While Member Giveback rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.
- For Balance Transfers: 0.00% Introductory APR for up to 15 billing cycles on transfers initiated within 90 days of card opening. After that, and for new purchases, your APR will vary with the market based on the prime rate. Introductory Balance transfers will have a fee of the greater of $25 or 3% of the amount of the balance transfer. Offer valid only on balances from non-Dow Credit Union credit cards and loans; current Dow Credit Union credit card and loan balances are not eligible for introductory balance transfer offers.
- For Balance Transfers: 3.90% Introductory APR for up to 15 billing cycles on transfers initiated within 90 days of card opening. After that, and for new purchases, your APR will vary with the market based on the prime rate. Introductory Balance transfers will have a fee of the greater of $25 or 3% of the amount of the balance transfer. Offer only valid on balances from non-Dow Credit Union credit cards and loans; current Dow Credit Union credit card and loan balances are not eligible for introductory balance transfer offers.
- A usage fee may be charged by Foreign ATM operators. Currency conversion rates are set by VISA and are subject to change.
YourRewards
- Available on the Dow Credit Union Rewards Visa
- Earn 1 YourRewards point for every net retail $1 you spend
- Redeem points for cash back, merchandise, gift cards and more
- Receive double rewards points for your first 90 days
Get Your Card in Minutes
Need to replace a lost Dow Credit Union Visa Credit card? Want to apply for a new card and start using it right away? Just come to Dow Credit Union, and we’ll have a card for you in a matter of minutes. Fees may apply.
Mobile and Digital Wallets
With mobile and digital wallets, you can securely make purchases at a store with your mobile device or online with your computer or other device.
Perks, Protection, Payment
- Free travel accident insurance
- Free auto rental insurance
- Fraud protection
- Card Lock
- Identity Theft Protection
- Reporting a lost or stolen card
- Traveling?
- How to pay your Visa bill
- Visa Account Updater