
Cash Rewards: 2022 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: New Cash Rewards accounts opened on or after April 1, 2022 ! ! !
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.
For more details on all MCC codes, please click here

Travel Rewards: 2022 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.
! ! ! BONUS: New Travel Rewards accounts opened on or after April 1, 2022 ! ! !
Spend at least $1,500 in net purchases in the first 90 days of opening your new NIHFCU Travel Rewards card and receive 20,000 additional bonus points.
Earn 1X Rewards for each $1 spent on all other net purchases. This equates to $0.01 Rewards, which is equal to 1 point, for each $1 spent.
For more details on all MCC codes, please click here

Business Rewards: 2022 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.
For more details on all MCC codes, please click here