Rewards Credit Card

Get more cash back

Our Rewards Credit Card is one of the best cash back credit cards around, with no annual fee. The application process is easy and can be done online in just minutes.


  • Earn 1.25% unlimited cash back on all purchases*
  • 0% APR 12-month introductory rate on purchases and balance transfers
  • After the 0% APR 12-month introductory rate period ends, 13.49% or 18.49% APR on purchases and balance transfers, based on your creditworthiness
  • No annual fee 
  • 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 Rewards Card comes with a variety of security features. 

  • 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 ProtectionTM** 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 Rewards Credit Card disclosure information below, or view the full Rewards Credit Card disclosure.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for purchases

0.00% APR Introductory Rate for the first 12 months. 

After that, your APR will be 13.49% or 18.49%, 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 12 months. 

After that, your APR will be 13.49% or 18.49%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate. 

APR for cash advances

14.49% or 20.49%, 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: https://www.consumerfinance.gov/learnmore.

Fees

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 12 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.

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 9.99% or 14.99% 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.  
Cash Back Rebate Terms and Conditions
Rebates are calculated as 1.25% of net monthly purchases (total purchases less credit and returns), which will be displayed on Periodic Billing Statements as "Cash Back Rebate." Open accounts that are not in default under this Agreement or otherwise restricted will accumulate rebates; however the Cash Back Rebate Amount must be at least $10.00 before a distribution will be made.
The rebate will be distributed semi-annually in January and July and will be based on the Periodic Statements in December and June. Accounts with rebate amounts of less than $10.00 or that are in default or otherwise restricted are not eligible for distributions. If an account is not eligible for a distribution for any reason in one distribution period, the accumulated rebates will carry over to the next period. If an account is closed for any reason, all accumulated Cash Back Rebates for that account will be forfeited. The account holder is responsible for any taxes on Cash Back Rebates. Dollar Bank reserves the right to cancel or otherwise change the terms applicable to the Cash Back Rebate program at any time with 30 days prior written notice.

 

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.

*Rebates are calculated as 1.25% of net monthly purchases (total purchases less credit and returns), which will be displayed on Periodic Billing Statements as "Cash Back Rebate."
**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 mastercard.us/zero-liability.html 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