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Cash Rewards: 2024 Standard Reward Categories

Earn 3% Rewards for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed below.   This equates to $0.03 in total Cash Rewards, which is equal to 3 points, for each $1 spent.

  • Gas: MCC’s 5541, 5542: 1

  • Groceries: MCC’s 5411, 5422, 5441, 5451, 5499, 5462

  • Electric Vehicle Charging: MCC 5552

  • Taxicabs, Limousines & Rideshare: MCC 4121

  • Utilities: MMC’s 4812, 4814, 4816, 4821, 4899, 4900, 4911

  • Wholesale Clubs: MCC 5300

Earn 1% Rewards for each $1 spent on all other net purchases. This equates to $0.01 in Cash Rewards, which is equal to 1 point, for each $1 spent.

BONUS: Earn 4% (an additional 1% Rewards)1 for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed above during the first 12 months.

Earn 1% Rewards for each $1 spent on all other net purchases. This equates to $0.01 in Cash Rewards, which is equal to 1 point, for each $1 spent.
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Travel Rewards: 2024 Standard Reward Categories

Earn 3X Rewards for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed below.  This equates to $0.03 in Rewards, which is equal to 3 points, for each $1 spent.

  • Gas: MCC’s 5541, 5542: 1

  • Dining: MCC’s 5811, 5812, 5813, 5814

  • Electric Vehicle Charging: MCC 5552

  • Taxicabs, Limousines & Rideshares: MCC 4121

  • Travel: MCC’s 3000-3999, 4011, 4111, 4112, 4131, 4411, 4511, 4457, 4722, 4723, 4582, 4784, 7011, 7012, 7033, 7512

Earn 1X  Rewards for each $1 spent on all other net purchases. This equates to $0.01 in  Rewards, which is equal to 1 point, for each $1 spent.

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Business Rewards: 2024 Standard Reward Categories

Earn 2X Rewards for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed below.  This equates to $0.02 in total Cash Rewards, which is equal to 2 points, for each $1 spent.

  • Cable, Satellite, and Other Pay Television and Radio Services: MCC 4899

  • Dental, Laboratory, Medical, Ophtal, Hospital Equipment and Supplies: MCC 5047 2

  • Office and Commercial Furniture: MCC 5021

  • Stationery, Office Supplies, Printing and Writing Paper: MCC 5111

  • Stationery, Office and School Supply Stores: MCC 5943

  • Telecommunication Equipment: MCC 4812

  • Telecommunication Services: MCC 4814

Earn 1X  Rewards for each $1 spent on all other net purchases. This equates to $0.01 in Cash Rewards, which is equal to 1 point, for each $1 spent.

Rates, fees and terms as of May 17, 2025 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
“Net” purchases means after returns and adjustments.
1 For the first $6,000 of combined gas category purchases made during each calendar year. Gas merchants are defined as Service Stations & Automated Fuel Dispensers (please note that superstores and warehouse clubs that sell gasoline are not considered service stations).  You will earn base cash rewards of 1% for net purchases in excess of $6,000 in annual gas category purchases.
2 You will earn two points for every net dollar spent when you use your NIHFCU Visa Business Rewards card to pay for medical equipment-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies”, which may include: medical, dental, ophthalmic, hospital equipment and Supplies. Even though some merchants may sell medical equipment and supplies, purchases made at these locations may not necessarily qualify for the two NIHFCU Visa Business Rewards points per dollar if the merchant is not classified with a “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies” MCC. Also, merchants that are not classified by a “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies” MCC may be located on the premises of merchants that are classified with a “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies” MCC, and purchases made at these locations may not qualify for this added benefit. Offer subject to change or cancellation at any time.
For the purpose of calculating bonus Point rewards, we use Visa merchant codes to determine eligible Purchase transactions. Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rew6ards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about NIHFCU CURewards bonus points categories, see www.nihfcu.org/CreditCards.
We may offer you ways to earn additional bonus points through the program. You’ll find out about the number of bonus points you can earn and any other terms at the time of the offer.
For more on our Credit Card Rewards program terms, conditions and restrictions, Click here.