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

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Benefits

Low Introductory Rate: 0% introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 12 months⁴¹, and say goodbye to annual fees and foreign transaction fees.

Score rewards:

Earn points redeemable toward cash back, gift cards, travel, and merchandise with every purchase.
1.25 points per dollar spent on all qualifying purchases.
5 points per dollar spent at qualifying Duck merchants.
10,000 bonus points when you complete your first purchase and 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 liability², a card with secure microchip technology and the option to use Apple Pay,^® Google Pay,^™ Samsung Pay^® and Visa Click to Pay.^®

Terms

Annual fee: None

Annual Percentage Rate (APR)

0% introductory APR on purchases and balance transfers for the first 12 months.⁴¹
Purchases and balance transfers after introductory period, 13.74% to 23.74% variable APR, based on credit.
Cash advances have a variable APR of 18.74% to 28.74%, based on credit.

Foreign transaction fees: None

Win big with the Duck Card

This fall, all Duck Card users have a chance to win two OCCU Club tickets for an upcoming Ducks football game. If you have a card in good standing, you’re already entered. Will you be a winner? Wait and see! Check out the official rules here.