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Great rewards is in our DNA!

As a healthcare and biomedical professional, you’re too busy to waste time and too smart to waste money. The NIH Federal Credit Union (NIHFCU) knows this, as we’ve been servicing these industries since 1940.


We also know that there is no better value for all your credit purchasing needs than our popular Visa® Cash Reward credit card. With its great rewards, reduced fees, a very sleek design, and more, all the elements of the perfect credit card can now be yours.


>>> Apply between April 15, 2021 and June 15, 2021, and enjoy the following:

  • Spend $1,500 in your new account’s first 90 days and get $200 1

  • Earn 5% cash back on groceries and dining, 3% on gas and 1% on all other purchases in the first 12 months 2

    • Thereafter, get 3% on gas, 2% on groceries and 1% on all other purchases 1

  • Get a 0% introductory APR on purchases and balance transfers in the first 15 months (then a variable APR of 10.99%-15.99%) 3

View other great standard features and benefits here.

Not yet an NIHFCU member? Learn more about us and how to become a member!

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Standard Features and Benefits

Other standard features and benefits of your card include:

  • No annual fee 3

  • Same low, variable rates for purchases and cash advances

  • Reduced fees compared to many other card issuers

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

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

  • Do-it-yourself online card controls such as block/unblock card usage and more

  • complimentary access to ID Navigator powered by NortonLifelock

  • 24/7 fraud monitoring and Visa Zero Liability

  • Real time purchase alerts to monitor card activity

  • Digital Wallet/Mobile payment options

  • Visa Signature Concierge, including travel and emergency assistance

  • Lost luggage and travel accident insurance

  • Extended warranty protection

1. To be eligible, you must make $1,500 or more in net purchases with your NIHFCU Cash Reward card within 90 days of its opening. Eligible purchase transactions do not include, and rewards are not earned for: cash advances, convenience checks, balance transfers, gambling, cash equivalent (i.e., gift or prepaid cards), fees or finance charges of any kind. Please allow up toeight weeks after the 90-day period for the $200 reward, in the form of 20,000 rewards points, to post to your CURewards balance. Account must be open and not in default at the time the 20,000 points are issued in order to be posted to your rewards balance. Limit of one promotional offer per account. Offer valid for accounts applied for between 4/15/2021 and 6/15/2021. Offer subject to change or cancellation at any time.
2. Advertised rewards are for the first 12 months from new account opening. Gas rewards up to $6,000 annual spend). Thereafter, standard rewards for this card apply: 3% on gas (up to $6,000 annual spend), 2% on groceries and 1% on all other net purchase (sum of eligible purchases minus returns and refunds) Rewards subject to certain exclusions/limitations. See complete rewards program agreement.
3. 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 4/11/2021 and subject to change
All offers are subject to change or cancellation at any time.