Credit Cards

Cash Rewards:
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.

Travel Rewards:
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.

Information and offers are subject to change or cancellation at any time
“Net” purchases mean after returns and adjustments.

¹For 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.

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.

Click here to read more about our credit card rewards program

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800-449-7728

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855-589-4472 (U.S.)

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CURewards

800-637-7728