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Low Rate Credit Card


Save money with a low interest rate credit card

Dollar Bank Low Rate cardholders enjoy a 0% APR 6-month introductory rate on purchases and balance transfers. After the introductory period ends, enjoy a low regular rate of Prime + 5.99% or 10.99% APR, currently 14.49% or 19.49% APR, based on your creditworthiness. Plus, no annual fee! 

  • Fast and easy application by phone, online or at any Dollar Bank office
  • Ability to view and pay your Mastercard® account online with free Dollar Bank Online Banking
  • Mastercard checks to make purchases on your account where credit cards are not accepted and for balance transfers from other high-interest credit cards
  • Mobile payments with Google Pay™, Apple Pay®  and Samsung Pay

Credit card safety that meets your needs 

The Low Rate Card comes with a variety of security features. 

Dollar Bank Mastercard

  • FREE Card Control App: Turn your card on or off, set real-time alerts and more for your Dollar Bank personal and business debit and credit cards
  • Fraud alerts: When we notice suspicious activity using your card, we will send you a text message with purchase details so you can easily review and reply
  • FREE Mastercard ID Theft Protection* including 24/7 Identity Theft Resolution Service, identity monitoring and more  
  • 24/7 Mastercard Assistance Center toll-free at 1-800-307-7309
  • Zero Liability Protection**
  • Optional Credit Life Insurance protects your family from the responsibility of up to $100,000 in credit card debt***
  • MasterRental coverage for damage or theft of a rental car
  • Emergency card replacement and cash disbursement
  • Lost/Stolen card reporting 
  • Access to your account information 24/7 by calling 1-800-345-3655

Applying is easy

To request an application or apply over the phone, call 1-800-447-2823. You can also apply online or find a Dollar Bank office near you.

Please read the Dollar Bank Low Rate Credit Card disclosure information below, or view the full Low Rate Credit Card disclosure.

Interest rates and interest charges

Annual Percentage Rate (APR) for purchases

0.00% APR Introductory Rate for the first 6 months. 

After that, your APR will be 14.49% or 19.49%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

APR for balance transfers

0.00% APR Introductory Rate for the first 6 months. 

After that, your APR will be 14.49% or 19.49%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate. 

APR for cash advances 19.49% or 25.00%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Finance Charge If you are charged interest, the charge will be no less than $0.50.
For credit card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:


Annual fee None

Transaction fees

- Balance Transfer


- Cash Advance

- Foreign Transaction


Either $5.00 or 1% of the amount of the transfer, whichever is greater, for the first six months.
Then $5.00 or 3% of the transfer, whichever is greater. The maximum fee is $150.00. 

Either $5.00 or 3% of the cash advance, whichever is greater.

3% of the $US value of each transaction. $0.50 minimum.

Penalty fees

- Late Payment

- Returned Payment


Up to $35.00

Up to $35.00

Information is current as of todays date and may change thereafter. For details call 1-800-447-2823.

Regular Rates May Be Capped by Applicable State Usury Limits:
How We Will Calculate Your Balance:
 We use a method called "average daily balance" (including new purchases). See your account agreement for more details.

Loss of Introductory APR: We may end your introductory APR if your payment is more than 30 days past due. Your regular rate will then apply.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Your APR may vary. The rate for purchases and balance transfers is determined by adding 5.99% or 10.99% to the Prime Rate. The rate for cash advances is determined by adding 10.99% or 16.99% to the Prime Rate. The Prime Rate is defined as the highest Prime Rate published in the Wall Street Journal on the 10th day of the calendar month prior to your billing cycle.



To apply for a Dollar Bank credit card, you will need: 

  • Residential information for the past two years
  • Social Security Number
  • Driver's License Number/issued state/expiration date
  • Employment information/annual income
  • Alimony, child support or other income type/amount (if applicable)

(The above information is also be required if there is a co-applicant.)

We're here to help 1-800-242-2265

Dollar Bank representatives are available Monday - Friday from 8:00 AM - 8:00 PM and Saturday from 9:00 AM - 3:00 PM.

*This benefit is provided by Generali Global Assistance Inc. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
**Zero Liability does not apply to certain prepaid cards or corporate cards. Certain terms, conditions and exclusions apply. Please see for more details.
***Must be under age 66 to purchase Credit Life Insurance.
Mastercard is a registered trademark and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated.
Google Pay™ is a trademark of Google Inc.
Apple Pay® is a registered trademark of Apple, Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Message and data rates from your carrier may apply to Dollar Bank Mobile Banking including Google Pay, Apple Pay and Samsung Pay services.