Score extra points with The Duck Card
0%
APR for 12 months*
$0
annual fee
1.25
points per dollar on qualifying purchases
4x
the points at qualifying Duck merchants
Benefits
Low introductory rate
Get 0% introductory annual percentage rate (APR) on purchases and balance transfers for the first 12 months*, and say goodbye to annual fees and foreign transaction fees.
Score rewards
Earn points redeemable towards cash back, gift cards, travel and merchandise. You’ll earn 1.25 points per dollar on all qualifying purchases and 5 points per dollar on all purchases at qualifying Duck merchants. Plus, get 10,000 bonus points when you spend at least $500 in the first 90 days.
Shop with confidence
Have peace of mind with The Duck Card knowing you have zero fraud liability**, a card with secure microchip technology and the option to use Apple Pay,® Google Pay,™ Samsung Pay and Visa SRC.®
Terms
Annual fee
None
Annual percentage rate (APR)
-
0% introductory APR on purchases and balance transfers for the first 12 months.*
-
Purchases and balance transfers after introductory period, 14.24% to 24.24% variable APR, based on credit.
-
Cash advances have a variable APR of 19.24% to 29.24%, based on credit.
Foreign transaction fees
None
Have questions?
View OCCU card services credit card account agreement »
Duck Card terms and conditions »
*Purchase APR: 0.00% introductory APR for 12 months. After that 14.24% to 24.24%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer APR: 0.00% introductory APR for 12 months from account opening date for balance transfers completed within 60 days from the account opening date. After that, Balance Transfer APR will be 14.24% to 24.24%, based on creditworthiness and will vary with the market based on Prime rate. Cash Advance APR will be 19.24% to 29.24%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer Fee / Cash Advance Fee, $10.00 or 3.00% of the amount of each balance transfer or cash advance, whichever is greater. Foreign Transaction Fee, None. Annual Fee, None.
Introductory terms are for new cardholders only. If you have received the benefit of a card promotion on an OCCU credit card product in the past 24 months you are not eligible for this promotion. We will not process any balance transfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, OCCU Card Services, LLC or our affiliates. Membership and eligibility restrictions apply.
Rates and terms effective as of 01/01/2023, when this content was created. Contact OCCU Card Services at 800.365.1111 for current rates and terms.
**Subject to conditions. See an associate or your account agreement for details.