You may know by now, Dover Federal Credit Union offers two credit cards, but do you know which one is right for you?
This might be your first endeavor into credit cards, or you may already be well-versed in the opportunities credit cards can afford (get it? haha). This blog will break down the differences between card options from Dover Federal Credit Union and help you decide which is right for you.
Dover Advantage Mastercard®
Our Advantage Mastercard® comes with an unbeatable variable interest rate that is over 50% lower than the national average*, allowing you to pay down balances at your own pace, free from penalties or hidden fees. With an interest rate that good, it's hard not to take advantage.
Dover Cash Back Credit Card
Our Cash Back Mastercard® lets you earn up to 2% cash back on everyday purchases, and it adds up quick! Whether you’re shopping online or in-store, you’ll be automatically rewarded on every purchase.
Don’t leave money on the table! Your earnings are automatically deposited monthly into your Dover Federal Checking Account.
Benefits of Dover Federal Credit Union Credit Cards
Both cards come with added features from Mastercard®. Rest assured you will have the benefits of convenience and security, including:
- Contactless Technology
- No Annual Fees
- 25-Day Grace Period for Purchases
- Accepted at Merchants and ATMs Worldwide
- Digital wallet compatible
- Mastercard ID Theft Protection™
- Contactless Technology
- Zero Liability
- Chip Technology
Unexpected Perks
Let’s explore some of the lesser-known perks that let you shop, travel, and eat with the benefits of rewards and peace of mind:
Mastercard Global Service™
Wherever you are, have confidence you can always count on Mastercard Global Services for all your needs. We are available 24 hours a day, 365 days a year. Our multilingual representatives are waiting to help you with just some of the following:
- Lost and Stolen Card Reporting.
- Locate an ATM that accepts Mastercard
Mastercard Airport Concierge™
Avid travelers - this one is for you! Experience seamless travel with enhanced benefits for Mastercard cardholders worldwide; whether you want to be met at the plane door and fast-tracked through immigration, need assistance with baggage, or require a chauffeured luxury vehicle upon arrival - these services and more are available to you. Enjoy a substantial range of luxury concierge services to make your journey relaxing and stress-free!
Mastercard Golf
Hit the links with your favorite foursome or see the pros at one of the most prestigious championships in the pro game!
Cardholders can access priceless experiences for golfers globally. Tee off at some of the best courses in the USA or couple this perk with your travel goals and embark on some of the most stunning courses in Scotland and Ireland.
Mastercard Priceless® Cities
Are you looking to spice up date night? Do you consider yourself a foodie? Are you into unique experiences? Dover Credit cards have you covered. Search your local Mastercard Priceless® city for inspirational activities, what’s new on the culinary scene, or how to score the best seats at the game.
Are concerts your thing? Check out Mastercard presale for a live music ticket access program giving cardholders access to concert presale tickets, preferred seats, and various VIP experiences before tickets become available to the public!
Our priceless experiences are location-based and available across the globe. With no registration fees and purchase protection, your next adventure is covered.
Conclusion
If used responsibly, the benefits of using a credit card outweigh those of a debit card. You’ll get security and fraud protection, you can earn rewards, and you’ll build your credit.
If you’re able to do this, shift as many of your purchases as possible to your credit card, and don’t use your debit card for anything other than ATM access.
The result of this is a combination of rewards, buyer protection, and cash-in-hand value can put you ahead financially with the added bonus of helping you get out there and experience all your city, state, or the world has to offer!
With Dover Federal Credit Cards, you can’t lose.
Ready to get started? Check your rate with no credit check!
FAQs
- What benefits come with Dover Federal’s Mastercard®?
Dover Federal’s Mastercard® cards offer perks like Mastercard ID Theft Protection™, Zero Liability Protection, and Mastercard Global Service™, providing security and peace of mind with every purchase.
- How can I avoid debt when using a credit card?
To avoid debt, always aim to pay your balance in full each month, keep your credit utilization low, and monitor your spending regularly.
- Is there an annual fee for Dover Federal’s credit cards?
No, both the Advantage Mastercard® and Cash Back Mastercard® come with no annual fees.
- How does the Cash Back Mastercard® work?
The Cash Back Mastercard® gives you 2% cash back on everyday purchases. Rewards are automatically applied, making it easy to save while you spend.
- What is the APR for Dover Federal’s Advantage Mastercard®?
The Advantage Mastercard® offers a variable APR that is lower than the national average.
Dover Federal Credit Union
For 66 years, Dover Federal Credit Union has served as a member-owned financial cooperative, designed to provide access to equitable financial products and services that create stability and lead to establishing generational wealth. Today we serve over 44,000 members, encompassing the military, Delaware families and Employer Groups. Serving Camden, Dover, Middletown, Milford, Smyrna & the New Castle areas in branch & online.
