decorative colored dots

Visa® Credit Cards

Whether it’s a great low rate, amazing rewards, or building your credit, we have you covered. Select any card and enjoy these standard benefits:

>>> Scroll to see all cards and to apply.

Have a business? Click here for our Business Rewards card!

NIHFCU Member Paying At Register with Mobile Phone
decorative colored dots

Visa® Platinum Card

A great way to save on interest or pay down debt with our lowest rates available. Get the standard benefits above, plus:

  • Credit limits from $500-$25,000 (depending on creditworthiness).

  • 0% introductory APR for the 1st 15 months after account opening on purchases & balance transfers (Then, a variable APR of 7.99%-16.99%),1

  • Click here for Visa Secured card option

>>> See pricing and terms

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

Are you an NIH visiting fellow?
With our NIH Fellows Advantage Program you may be eligible to receive this card without established credit.

Speak to a specialist
decorative colored dots

Visa® Signature Cash Rewards

BIG rewards for many of your everyday purchases plus great rates and other exceptional benefits. Get all the standard benefits above, plus:

  • Credit limits from $2,500-$25,000 (depending on creditworthiness)

  • 0% introductory APR for the 1st 15 months after account opening on purchases & balance transfers (Then, a variable APR of 10.99%-15.99%.)1

  • Earn 3% cash back rewards on gas, 2% on groceries and 1% on all other purchases2

>>> BONUS: From 7/15/20-6/30/21, earn 3% on dining (eat-in, take-out, delivery) and an additional 1% (for a total of 3%) on groceries.2

  • Redeem 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

>>> See pricing and terms

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

Speak to a specialist
decorative colored dots

Visa® Signature Travel Rewards

BIG rewards for travelers and those who dine out often. Get unlimited double points on many purchases3, with amazing redemption options. Enjoy our standard benefits above, plus:

  • Credit limits from $2,500-$25,000 (depending on creditworthiness)

  • 0% introductory APR for the first 15 months after account opening on purchases & balance transfers. (Then, a variable APR of 12.99%-14.99%.)1

  • Earn unlimited 2X points for every $1 net spent on travel and dining

>>> BONUS: From 7/15-6/31/2021, earn 3% on groceries (in-store and delivery) and an additional 1% (for a total of 3%) on travel and dining.3

  • Redeem for travel, gift cards, merchandise, cash or donate to charities

  • No foreign transaction fees

  • Visa Signature Concierge, including travel and emergency assistance

  • Lost luggage and travel accident insurance

  • Extended warranty protection

>>> See pricing and terms

Manage your account Online  or in our Mobile App. Make payments, transfer balances, control card access, and redeem rewards.

Speak to a specialist
decorative colored dots

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 8.99% APR.1

  • Credit limits from $250-$25,000 (based on pledged amount)

>>> See pricing and terms

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

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 toward establishing or rebuilding your credit. You may even be able to upgrade your card with responsible use over time.
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

decorative colored dots

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
decorative colored dots

Important Documents

decorative colored dots

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 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. All new applications are subject to terms, conditions and credit approval. All information as of June 10, 2020 and subject to change.
2 Signature Cash Rewards include, 3% on gas – up to $6,000 annual spend, 2% on groceries – unlimited spend, and 1% on all other purchases – unlimited spend. See Rewards Terms and Conditions for complete rules and restrictions. ]
3 Signature Travel Rewards include, 2 points for every net dollar you spend on travel and dining – unlimited spend, and 1 point for every net dollar you spend on all other purchases – unlimited spend. See Rewards Terms and Conditions for complete rules and restrictions.