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NIHFCU Visa Cards – Wellness for your wallet

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Visa® Credit Cards

With great options, NIHFCU has all your credit purchase needs covered, whether you’re focused on a great low rate, amazing rewards, or building your credit. All of our Visa Cards provide these standard benefits:

  • No annual fee1

  • Same low, variable rates for purchases and cash advances

  • Reduced fees

  • Car rental collision reimbursement

  • 24/7 fraud monitoring and Visa Zero Liability

  • Real time purchase alerts to monitor card activity

  • Chip technology to prevent counterfeit cards and reduce fraud

Enjoy 12 months of NO interest
All purchases and balance transfers are at an introductory 0% APR for the first 12 months.1 This could save the average family hundreds of dollars in interest in one year alone! (offer excludes secured Visa cards)

Compare all NIHFCU card options.

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Visa Platinum Card

An exceptional everyday value if you wish to save on interest or pay down debt with our lowest rates available. In addition to our standard benefits above, this card features:

  • 0% intro APR for the first 12 months after account opening on purchases and balance transfers. (Then, a variable APR of 9.99%-18.00% depending on credit worthiness),1

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

  • Click here for Visa Secured card option

See pricing and terms.

Are you an international fellow?
If so, check out our Fellows Advantage Program. You may be eligible to receive a Visa Platinum Card even without established credit.

New cardholder offer
Spend $1,000 in 1st 90 days and get a $100 statement credit4

Speak to an expert
1-855-852-4748
vehicle loans image vehicle loans image for mobile
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Visa Signature Cash Rewards

An exceptional value for those with good or excellent credit, you can earn up to 3% on net purchases and redeem for cash2, travel, gift cards, or merchandise. In addition to our standard Visa benefits above, this card features:

  • 0% intro APR for the first 12 months after account opening on purchases and balance transfers. (Then, a variable APR of 12.99%-17.99% depending on credit worthiness)

  • Earn 3% cash back rewards on gas, 2% on groceries and 1% on all other purchases2

  • Redeem points for cash, travel, gift cards, merchandise or donate to the NIH charities

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

  • Visa Signature Concierge, including travel and emergency assistance

  • Lost luggage and travel accident insurance

  • Extended warranty protection

See pricing and terms

New cardholder offer
Spend $1,000 in 1st 90 days and get a $100 statement credit4

Speak to an expert
1-855-852-4748
vehicle loans image vehicle loans image for mobile
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Visa Signature Travel Rewards

A great value if you travel or dine out often and possess good or excellent credit. Get unlimited double points on many purchases3, enjoy our standard Visa benefits above, plus:

  • 0% intro APR for the first 12 months after account opening on purchases and balance transfers. (Then, a variable APR of 14.99%-16.99% depending on credit worthiness)

  • Earn unlimited double points for every $1 net spent on travel and dining3

  • Redeem points for travel, gift cards, merchandise, cash back or as a donation to the NIH Charities

  • No foreign transaction fees

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

  • Visa Signature Concierge, including travel and emergency assistance

  • Lost luggage and travel accident insurance

  • Extended warranty protection

See pricing and terms

New cardholder offer
Spend $1,000 in 1st 90 days and get a $100 statement credit4

Speak to an expert
1-855-852-4748
vehicle loans image vehicle loans image for mobile
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Visa Platinum Secured Card

Whether you are new to credit entirely, or have challenged credit you would like to rebuild, this secured card is for you. In addition to our standard Visa benefits above, this card features:

  • A low variable rate of 10.99% APR.1

  • Credit limits from $250-$25,000 (based on pledged amount)

See pricing and terms.

Your secured card credit limit is determined by the security deposit you provide, so you control your own spending power. As you create a record of on-time payments, you can work toward establishing or rebuilding your credit. You may even be able to upgrade your card with responsible use over time.

Speak to an expert
1-855-852-4748
vehicle loans image vehicle loans image for mobile
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Easy balance transfer

I wanted to take advantage of the promotional interest rate and balance transfer perks and this card does not disappoint! The process to rollover an existing account balance from another credit card was seamless and I will be able to pay it off much faster now. After the promotional 0% interest ends, my purchasing new rate is the best I will have ever had.

Holly

Bethesda, MD

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Manage your account

Use these tools to manage your NIHFCU credit card account with ease!

Balance Transfers
To transfer a balance from a non-NIHFCU, high-rate credit card, submit our Balance Transfer Request Form or stop by any branch.

Manage your rewards – Visa Signature Cardholders
Click here to enroll in CURewards®. Visit at your leisure as often as you’d like to view your points, balance, or to shop for rewards and redeem your points.

Online and mobile banking members can also log in to manage their credit card accounts:

  • View your statements and activity

  • Make Payments

  • Enroll in CURewards

  • Make Balance transfers from non-NIHFCU high-rate credit cards*

  • Register to receive alerts and notifications

  • And more


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Important Documents


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Important contact numbers for your credit card account

Visit the credit card section of our contact page for important phone numbers for your NIHFCU credit card.

Financial wellness begins and ends with the facts. Here's what you need to know!

1 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 October 10 , 2018 and subject to change.

2 Signature Cash Rewards include, 3% on gas – up to $6,000 annual spend, 2% on groceries – un-limited spend, and 1% on all other purchases – unlimited spend. See Rewards Terms and Conditions for complete rules and restrictions.

3 Signature Travel Rewards include, 2 points for every net dollar you spend on travel and dining – unlimited spend, and 1 point for every net dollar you spend on all other purchases – unlimited spend. See Rewards Terms and Conditions for complete rules and restrictions.

4Offer not available on existing or previous credit card accounts and also excludes NIHFCU Secured and Business credit cards. New account must be opened between 11/1/2018-1/31/2019. If you meet the criteria for the $100 reward, please allow for up to 3 full billing cycles after the promotional period for it to post on your credit card statement. Offer subject to change or cancelation at any time. NIHFCU eligibility and membership required.