Four incredible card options for all credit purchasing needs. Enjoy these standard benefits.
No annual fee1
Great low rates and fees
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:
2.99% intro. APR for the 1st 12 months on balance transfers. (Then, a variable APR of currently 12.24% -17.24%.) 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:
2.99% intro. APR for the 1st 12 months on balance transfers. (Then, a variable APR of currently 15.24% -17.24%.) 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
Enjoy more visa perks such as Visa Concierge and, travel & emergency assistance.
All the standard benefits above, plus:
Great low variable APR currently 17.24%.1
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
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 13.24% 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.
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.
Rates, fees and terms as of July 5, 2025 and subject to change without notice
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