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Visa® Credit Cards

Enjoy incredible value for all your credit purchasing needs, including these standard benefits.

Have a business? Click here for our Business Rewards card!
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Visa® Platinum Card

Enjoy the standard benefits above, plus:

  • 0% introductory APR for the 1st 15 months on purchases & balance transfers (Then, a variable APR of 8.24%-17.24%),1

  • Click here for Visa Secured card option

>>> Compare all NIHFCU card options

Manage your account Online or with our Mobile App. Make payments, transfer balances, control card access.

Are you an NIH visiting fellow?
You may be eligible for this card without established credit. Learn more!

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Visa® Signature Cash Rewards

Enjoy the standard benefits above, plus:

  • 0% intro. APR for the 1st 15 months on purchases & balance transfers (Then, a variable APR of 11.24%-16.24%.)

  • Earn 3% cash back rewards points in these categories:

    • For transportation needs: Gas 3  I  Electric Vehicle Charging  I  Rideshare/Taxi/Limo

    • For personal/home needs:  Groceries I  Wholesale Clubs |  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 donate to charities

  • Visa Signature Concierge, including travel and emergency assistance

  • Lost luggage and travel accident insurance

  • Extended warranty protection

>>> Compare all NIHFCU card options

Manage your card online or on our App. Make payments & transfers, control access, redeem rewards and more.

Speak to a specialist
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Visa® Signature Travel Rewards

Enjoy the standard benefits above, plus:

  • 0% intro. APR for the 1st 15 months on purchases & balance transfers (Then, a variable APR of 13.24%-15.24%.)

  • Earn 3X rewards points in these categories:

    • For personal needs: Travel  I  Dining

    • For transportation needs: Gas 3Electric 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

>>> Compare all NIHFCU card options

Manage your card online or on our App. Make payments & transfers, control access, redeem rewards and more.

Speak to a specialist
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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 9.24% 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.

>>>Compare all NIHFCU card options

Manage your card Online or in our App. Make payments, transfer balances, control card access.

Speak to a specialist
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.

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 15 month introductory period begins at account opening. All new applications are subject to terms, conditions and credit approval. All information as of April 1, 2022 and subject to change.
2 Excludes Platinum secured card; Rewards offers on Signature cards only.
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.