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Excellent card w/ great rewards!!

5

With 3% cash back on gas, this is the only card I use when I fill up my car. Add in the 2% back at grocery stores, and it quickly became my go-to card for basic everyday purchases.

J

Philadelphia, PA

Great Rewards

4

With the points I earned within months of opening this account, I was able to earn enough rewards to purchase a $100 gift certificate at Home Depot. I purchased potting soil, plants and a garden hose as my own Mother's Day gift.

Tuna girl

Rockville, MD

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Good credit card overall

4

I have a cash reward version of the NIH FCU credit card. I use it in most of the cases in various places and it works as expected - no problems with payments neither on nor off line. I also have checking and savings accounts at NIH FCU and I like that I can manage both the credit card and the accounts through one web interface. There one thing though which I do not like. This is related to rewards. So far I had two occasions where it was not precisely 100% convenient. - when I come to the rewards web site I have an option to exchange my reward points to a credit to my account. This option highlights how many points are going to be used but provides no information of how much I would get on my account. Such an incomplete description is quite irritating - I tried to use my reward points twice and first time I was able to get 100 dollars amazon gift card. The second time I tried to do the same but 100 dollars amazon card was not available anymore. The option of 50 dollars amazon card is not good for me because 2 50 dollars cards would require significantly more reward points than one 100 dollars card. The reward cards are so ubiquitous that it is weird to see it disappearing from the reward center. Actually when offering gift cards in the rewards center why not to support an option of delivering a card code over e-mail? That would save money on your side on handling and shipping and would also make it faster for the card owner to get the reward. Other than that all is fine so far.

Ordinary user

Rockville, MD

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Excellent credit card

5

The NIHFCU Visa Signature Cash Rewards card is an excellent product. It gives great rewards on places I most frequently spend money - gas and grocery stores - and even offers the option to donate the rewards directly to NIH charities. I also like how it is directly linked to my NIH FCU bank account, for easy payment. This is a great product and I highly recommend it.

NIH Science Gal

Bethesda, MD

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Glad to have easy online access

4

I am very pleased with the card, but would like the website to download data to Quicken. It is a bit difficult to navigate.

Janet

Sterling, VA

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Works for Me

5

General purchases

Lois

North Potomac, MD

true

NIH Visa Card & Service

5

What is special about my NIH credit card is the terrific service provided by NIH FCU staff. Every question is answered promptly. They made using the web site easy.

Mary

Bethesda

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Opening an Visa Account

5

I had your other card for many years. You gave me an opportunity when I was having a hard/rough time. Because of you, I have been keeping up my credit and spreading and doing quite well. This new card came up because you no longer work with that bank. It gives me bigger and better opportunities and its working out to my favor. That's the only card I use and I am very happy thus far. The manager whom introduced the card was very profession and knowledgeable. I appreciate that very much. NIH has been great to me and I say thank you.

Lacetta

Rockville, Maryland

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my personal page does not reflect what has been paid

3

the bill is short on details. the front page of the NIHFCU personal banking does not reflect payments I have made. Shows balance when i have made payments. would recommend but with caveats. the connect to NIHFCU is not as seamless as presented.

Pam

bethesda MD

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Nice reward program

4

It's hard to find a credit card with 2% cash back at grocery store these days. The only drawback is that most of the gift cards are dollar-for-dollar, and only very few gift cards are on sale.

Y.L.

Rockville, MD

true

7c

4.4 12

100.0

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*APR=Annual Percentage Rate. Variable APRs between 12.24%--17.24% depending on creditworthiness. See above Important Terms for complete credit card disclosures. Special introductory APR offer available through 3/31/18. All new applications are subject to terms, conditions and credit approval. A balance transfer fee equating to the greater of 2% or $10 applies. All information as of January 1, 2018 and subject to change. See above Important Terms for complete rewards terms.

**Applies to qualified net purchases from 11/01/17 through 1/31/18 from merchants categorizing themselves as bookstores (merchant code 5942). Certain purchases such as digital downloads and movies do not qualify for this offer. Sole sponsor is NIHFCU, Amazon is not a participating partner or sponsor of this offer.

Further information on Rewards Terms is available HERE.