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Visa® Credit Cards

Four incredible card options for all credit purchasing needs. Enjoy these standard benefits.

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Visa® Platinum Card

All the standard benefits above, plus:

  • 2.99% intro. APR for the 1st 12 months on balance transfers. (Then, a variable APR of currently 13.24% -18.00%.) 1

Manage your account Online or with our Mobile App.

Check out our Visa Secured card option

NIH visiting fellows! You may be eligible without established credit. Learn more!

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Visa® Signature Cash Rewards

All the standard benefits above, plus:

  • 2.99% intro. APR for the 1st 12 months on balance transfers. (Then, a variable APR of currently 16.24% -18.00%.) 1

Earn 4% cash back rewards points in the first 12 months 4, and 3% thereafter in these categories:

  • Automated Fuel Dispensers 3 and Service Stations

  • Electric Vehicle Charging

  • Groceries

  • Rideshare/Taxi/Limo

  • Utilities (including streaming)

  • Wholesale Clubs

All other purchases earn 1%. Redeem points for cash, travel, gift cards, merchandise, or charity donation

Enjoy more visa perks such as Visa Concierge and, travel & emergency assistance.

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Visa® Signature Travel Rewards

All the standard benefits above, plus:

Great low variable APR currently 18.00%

Earn 3X rewards points in these categories:

  • Automated Fuel Dispensers 3 and Service Stations

  • Dining

  • Electric Vehicle Charging

  • Rideshare/Taxi/Limo

  • Travel

New Cardholder Bonus 4

  • Spend $1,500 in 90 days of account opening and get 20,000 bonus points

Enjoy more visa perks such as Visa Concierge and, travel & emergency assistance.

No foreign transaction fees

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Visa® Platinum Secured Card

Whether you are new to credit entirely, or have challenged credit you would like to rebuild, this card is for you.

In addition to our standard Visa benefits above, this card features:

  • A low variable rate of 14.24% APR.1

  • Credit limit (up to $25,000) based on pledged amount

Your credit limit is determined by the security deposit you provide, so you control your spending power. As you create a record of on-time payments, you can work towards starting or rebuilding your credit. You may even be able to upgrade your card with responsible use over time.

Manage your card Online or in our App.

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five stars

Easy balance transfer

I wanted to take advantage of the promotional interest rate and balance transfer perks and this card does not disappoint! The process to rollover an existing account balance from another credit card was seamless and I will be able to pay it off much faster now. After the promotional 0% interest ends, my purchasing new rate is the best I will have ever had.

Holly

Bethesda, MD

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Manage your account

Manage your card with ease inside online and mobile banking! Login to do the following:

  • View your statements and transactions

  • See categorizes spending analytics displayed in colorful charts

  • Make payments

  • Enroll in and use CURewards® to manage and redeem rewards points *

  • Register to receive alerts and notifications

Select “Card Controls” while logged in to instantly:

  • Block your card in case of loss, theft, fraud, etc.

  • Request a replacement for a lost or stolen card

  • Enable/Disable foreign transactions

  • Make balance transfers from other cards you may have

  • Set travel notifications

  • View your CURewards points*

Balance Transfers

  • We recommend online or mobile banking for balance transfer convenience. However, you can also submit a Balance Transfer Request Form or stop by any branch.

*Signature cardholders only
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Important Documents

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Important contact numbers

Visit the credit card section of our contact page for important phone numbers for your NIHFCU credit card.

Rates, fees and terms as of February 29, 2024 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
1 APR=Annual Percentage Rate. APRs and credit limits vary by card and depend on creditworthiness. A balance transfer fee equating to the greater of 2% or $10 applies. See Pricing and Terms for complete credit card disclosures. The 2.99% introductory period on the Platinum and Cash Rewards cards begins at account opening. All new applications are subject to terms, conditions and credit approval.
3 3% on gas – up to $6,000 annual spend. See Rewards Terms and Conditions for complete rules and restrictions
4 4% offer on Cash Rewards card and 20,000 bonus reward offer on Travel Rewards card pertain to new cards opened on or after April 1, 2022.