Low Rate Credit Card
0% APR
0% APR 6-month introductory rate on purchases and balance transfers. After the introductory rate period ends, 12.99% or 17.99% APR on purchases and balance transfers, based on your credit worthiness.
Card access
Access your digitally issued credit card within days of approval to start making everyday purchases online or in-store by visiting My Cards through Online Banking or our mobile app.
Online Banking
View your account online, make payments and update your account details.
Digital card
Access your digitally issued credit card within days of approval to start making everyday purchases online or in-store by visiting My Cards through Online Banking or our mobile app.
Mobile payments
Make purchases with Google Pay™, Apple Pay® and Samsung Pay.
Take control of your card with My Cards.
- My Cards: Turn your card on or off, set up real-time card activity alerts, restrict transactions and more in our free Online Banking or mobile app
- 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
- Set custom controls for where, when and how your card is used
- Get real-time card activity notifications through phone or email
- Access to your account information 24/7 by calling 1-800-345-3655
Credit card safety that meets your needs
The Low Rate Card comes with a variety of security features
- 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
- Emergency card replacement and cash disbursement
- Zero Liability Protection**
- 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
- MasterRental coverage for damage or theft of a rental car
- Optional Credit Life Insurance protects your family from the responsibility of up to $100,000 in credit card debt***
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 12.99% or 17.99%, based on your creditworthiness. |
| APR for balance transfers | 0.00% APR Introductory Rate for the first 6 months. After that, your APR will be 12.99% or 17.99%, based on your creditworthiness. |
| APR for cash advances | 17.99% or 23.99%, 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 six months. 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 9/10/2026 @ 6:12:01 PM 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.)
View the full Low Rate Credit Card disclosure.
Calculators
Try our debt management calculators.
Disclosures
- *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.