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REVIEW SNAPSHOT®

by PowerReviews
 
4.4

(based on 11 reviews)

Ratings Distribution

  • 5 Stars

     

    (5)

  • 4 Stars

     

    (5)

  • 3 Stars

     

    (1)

  • 2 Stars

     

    (0)

  • 1 Stars

     

    (0)

100%

of respondents would recommend this to a friend.

Most Liked Positive Review

 

Opening an Visa Account

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...Read complete review

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.

VS

Most Liked Negative Review

 

my personal page does not reflect what has been paid

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....Read complete review

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.

Reviewed by 11 customers

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(2 of 2 customers found this review helpful)

 
4.0

Great Rewards

By Tuna girl

from Rockville, MD

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.

  • Credit Union Member Since:
  • 2007
  • Occupation:
  • Safety Specialist

(1 of 1 customers found this review helpful)

 
4.0

Good credit card overall

By Ordinary user

from Rockville, MD

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.

  • Credit Union Member Since:
  • 2008
  • Occupation:
  • Software Engineer

(2 of 2 customers found this review helpful)

 
5.0

Excellent credit card

By NIH Science Gal

from Bethesda, MD

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.

  • Credit Union Member Since:
  • 1996
  • Occupation:
  • Researcher

(1 of 1 customers found this review helpful)

 
4.0

Glad to have easy online access

By Janet

from Sterling, VA

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

  • Credit Union Member Since:
  • 1970
  • Occupation:
  • chemist

(1 of 1 customers found this review helpful)

 
5.0

Works for Me

By Lois

from North Potomac, MD

General purchases

  • Credit Union Member Since:
  • 1971
  • Occupation:
  • Retired teacher

(2 of 2 customers found this review helpful)

 
5.0

NIH Visa Card & Service

By Mary

from Bethesda

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.

  • Credit Union Member Since:
  • 1987
  • Occupation:
  • Self-employed

(2 of 2 customers found this review helpful)

 
5.0

Opening an Visa Account

By Lacetta

from Rockville, Maryland

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.

  • Credit Union Member Since:
  • 1991
  • Occupation:
  • Contract Specialist

(1 of 2 customers found this review helpful)

 
3.0

my personal page does not reflect what has been paid

By Pam

from bethesda MD

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.

  • Occupation:
  • nurse

(1 of 1 customers found this review helpful)

 
4.0

Nice reward program

By Y.L.

from Rockville, MD

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.

  • Credit Union Member Since:
  • 2009

(2 of 2 customers found this review helpful)

 
5.0

A Great Credit Card

By WorkingMom

from Bethesda, MD

I recently opened a NIHFCU Visa Signature Cash Rewards credit card and have been very happy with the service. The card offers a great 0% introductory rate for one year, and very competitive cash back awards - 3% on gas and 2% at grocery stores, along with 1% on everything else. I especially like that it's linked directly to my NIHCU account, so I can make payments easily and keep track of my purchases and balances. Overall this is a really great credit card to have.

  • Credit Union Member Since:
  • 1996

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*APR=Annual Percentage Rate. Variable APRs between 10.99%--15.99% depending on creditworthiness. See above Important Terms for complete credit card disclosures. Special introductory APR offer available through March 31, 2017. 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 June 6, 2016 and subject to change. See above Important Terms for complete rewards terms.

**Holiday Welcome Special Offer Bonus applies to qualified net purchases for new accounts opened between November 1, 2016-February 28, 2017. Cardholder must meet minimum net purchase requirement within ninety (90) days of account opening in order to qualify for bonus reward. Holiday Special Offer Bonus not available on existing credit card accounts. Further information on Rewards Terms is available HERE.