Incredible value for all credit purchasing needs, Enjoy these standard benefits.
No annual fee1
Great low rates and fees
Exciting introductory rate and rewards offers 2
Credit limits up to $25,000 1
Contactless “tap to pay” convenience
Online card controls for DIY card management
24/7 fraud monitoring and Visa Zero Liability
Real-time purchase alerts
Digital Wallet/Mobile payment options
All the standard benefits above, plus:
0% introductory APR for the 1st 15 months on purchases & balance transfers (Then, a variable APR of 12.49%-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!
All the standard benefits above, plus:
0% intro. APR for the 1st 15 months on purchases & balance transfers (Then, a variable APR of 15.49%-18.00%.)1
Earn 3% cash back rewards points in these categories:
For transportation: Gas 3 I Electric Vehicle Charging I Rideshare/Taxi/Limo
For personal/home: Groceries I Wholesale Clubs I Utilities (including streaming)
All other purchases earn 1%
New Cardholder Bonus 4
Earn 4% on the transportation and personal/home categories above in the first 12 months
Redeem points for cash, travel, gift cards, merchandise, or charity donation
Visa Signature Concierge, including travel and emergency assistance
Lost luggage and travel accident insurance
Extended warranty protection
All the standard benefits above, plus:
0% intro. APR for the 1st 15 months on purchases & balance transfers (Then, a variable APR of 17.49%-18.00%.)1
Earn 3X rewards points in these categories:
For personal: Travel I Dining
For transportation: Gas 3 I Electric Vehicle Charging I Rideshare/Taxi/Limo
all other purchases earn 1%
New Cardholder Bonus 4
Spend $1,500 in 90 days of account opening and get 20,000 bonus points
Redeem points for cash, travel, gift cards, merchandise or donate to charities
Visa Signature Concierge, including travel and emergency assistance
No foreign transaction fees
Lost luggage and travel accident insurance
Extended warranty protection
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 13.49% 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.
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
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.
Visit the credit card section of our contact page for important phone numbers for your NIHFCU credit card.
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