Skip to content Skip to sidebar Skip to footer

Why the Ducks Unlimited Card Is 2020’s Best Gas Card

At NerdWallet, we try that can assist you make monetary selections with confidence. To do that, many or all of the merchandise featured listed here are from our companions. Nevertheless, this doesn’t affect our evaluations. Our opinions are our personal.

Perhaps you assume NerdWallet’s selection of the Ducks Unlimited Rewards Platinum Version® Visa® Card as our award winner for 2020’s greatest fuel bank card was for the birds. Enable us to elucidate ourselves.

With no memorable catchphrases, no Tremendous Bowl adverts or movie star spokespeople and no big-name monetary establishment behind it (it’s issued by First Bankcard, a division of First Nationwide Financial institution of Omaha), the $0-annual-fee Ducks Unlimited Rewards Platinum Version® Visa® Card flies beneath the radar. However with stellar rewards at the pump — limitless 5% money again on fuel — it soars above the remainder of the flock.

» MORE: NerdWallet’s greatest fuel bank cards 

That’s to not say this card is a no brainer for anybody with a automobile. First, contemplate that you just may not spend as a lot on fuel as you assume. Based on the most up-to-date knowledge from the Bureau of Labor Statistics, the common family spends about $2,000 a 12 months whole on fuel, motor oil and different gas.

And its rewards past fuel may not be particularly interesting to most households: limitless 5% money again at sporting items shops and 1% money again on all different purchases. Should you’re in search of an on a regular basis card, you would possibly get extra worth from one with robust rewards on an array of frequent bills — not simply fuel, but in addition groceries, family items, eating places and utilities.

Lastly, whereas proceeds from the card assist fund wetlands conservation efforts, the Ducks Unlimited group does have robust ties to duck looking. That received’t be a problem for many individuals, however it would possibly make others uncomfortable.

Nonetheless, for street warriors and fuel guzzlers with big-time gas bills, the Ducks Unlimited Rewards Platinum Version® Visa® Card is solely the greatest fuel card of 2020.

» MORE: How to decide on a fuel card

5% rewards with no hoops

A handful of different playing cards additionally pay 5% rewards on fuel, however they arrive with vital restrictions that don’t apply in the case of the Ducks Unlimited Rewards Platinum Version® Visa® Card.

For instance, each the Chase Freedom® and the Uncover it® Money Again often provide fuel stations as a 5% money again class. In 2020, for instance, the Chase card affords fuel stations in the first quarter, and the Uncover card does so in the second quarter. However on each playing cards, that charge is on the market for under three months at a time, the 5% applies solely to the first $1,500 in class spending per quarter, and you need to decide in to the bonus classes on-line.

The Sam’s Membership® Mastercard® pays 5% money again on fuel, however solely on the first $6,000 a 12 months in spending. After that, your fuel rewards drop all the way down to 1%. Maybe extra vital, you could have a Sam’s Membership membership to get this card, which begins at $45 a 12 months for a fundamental plan. The Ducks Unlimited Rewards Platinum Version® Visa® Card doesn’t require you to be a Ducks Unlimited member. Anybody can apply.

» MORE: Full evaluation of the Ducks Unlimited Rewards Platinum Version® Visa® Card

What you received’t get

Each bank card has solely a lot worth to go alongside to the client, and selecting a card means making trade-offs in the way you get that worth. The Ducks Unlimited Rewards Platinum Version® Visa® Card delivers most of its worth with limitless 5% rewards on fuel and a $Zero annual price. Listed below are the trade-offs concerned.

Slim rewards classes. Though the Ducks Unlimited Rewards Platinum Version® Visa® Card is beneficiant on fuel and sporting items purchases, different playing cards provide elevated rewards throughout a wider array of frequent bills. For instance, the Wells Fargo Propel American Categorical® card earns Three factors per greenback at fuel stations — but in addition on consuming out and ordering in, journey (together with flights, lodges, homestays and automobile leases), rideshares, transit and common streaming companies. All different spending earns 1 level per greenback.

No sign-up bonus. Though a meaty welcome provide shouldn’t be the solely motive you select a bank card, it ups the enchantment if you’re weighing related choices. Should you’re expressly in the marketplace for elevated earnings on fuel and also you desire a juicy bonus, contemplate a card like the Financial institution of America® Money Rewards bank card. It earns 3% again on a class of your selection — with fuel as one in every of the choices — and a pair of% again on grocery shops and wholesale golf equipment, on the first $2,500 per quarter in mixed bonus class/grocery retailer/wholesale membership spending. All different spending earns 1% again. The sign-up provide is price a number of tanks of fuel itself: $200 on-line money rewards bonus after you make a minimum of $1,000 in purchases in the first 90 days of account opening.

» MORE: The very best bank card bonus affords out there now

Redemption limitations. Rewards on this card expire on the fifth anniversary of the date they have been awarded. Should you’re somebody who not often cashes in, this may very well be an issue. And though you might have the flexibility to redeem rewards as an announcement credit score, a deposit right into a checking or financial savings account, or a mailed examine — it should be in set increments of $25, $50, $100, $250 or $1,000.

Must you get it?

The Ducks Unlimited Rewards Platinum Version® Visa® Card affords bountiful rewards for somebody solely looking for the greatest return on their fuel spending. Should you’re a rideshare or supply driver, a long-haul commuter or a mother or father caught in an countless loop of carpooling to actions, the money again on this card may put a whole lot of {dollars} a 12 months into your pocket.

Should you’re simply a median driver, although, otherwise you desire a extra well-rounded selection past fueling up, one other card will likely be extra rewarding over the lengthy haul.

» MORE: The way to decide the greatest bank card for you in four straightforward steps

Leave a comment