© NIH Federal Credit Union
All information as of January 1, 2025.
All terms, offers and conditions are subject to change or cancellation at any time. All new applications are subject to terms, conditions and credit approval. See nihfcu.org/creditcards for pricing and terms, and complete credit card disclosures.
1APR=Annual Percentage Rate. APRs and credit limits vary by card and depend on creditworthiness. For requested amounts above $25,000, income verification will be required. After introductory period, variable rates for Platinum and Signature Cash Rewards depend on creditworthiness.
2The 2.99% APR on balance transfers is offered only on the NIHFCU Platinum and Cash Rewards cards and only for the introductory period that begins at account opening and lasts for 12 months. After the 12-month introductory period the APR adjusts to the variable APR currently show on each card above. A standard balance transfer fee equating to the greater of 2% or $10 applies.
3Interest rate on new credit card offers according to LendingTree.com on December 6, 2024. Comparison is after applicable introductory rate offers have expired.
4Signature Cash Rewards Card
See Rewards Terms and Conditions for complete rules and restrictions.
5Signature Travel Rewards Card
See Rewards Terms and Conditions for complete rules and restrictions.
See each credit card’s disclosures for pricing and terms.
- VISA Platinum
- VISA Signature Cash Rewards
- VISA Signature Travel Rewards
NCUA – Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
EHO – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
© NIH Federal Credit Union
100% of NIHFCU cardholders enjoy rates far below the current national average (24.43% APR)3
- Incredibly low rates with no annual fees1
- Credit lines up to $25,0001 available
- Exciting cashback and reward points on certain cards
THE Credit Union for Biomedical Professionals
“I love how it looks and how much money it saves me.”
Stephanie, NIHFCU member since 2005
Achieve lowest rate to pay off credit card debt the fastest!
2.99% APR1, 2 for 12 months on balance transfers followed by 12.74% -17.24% APR1 after intro period
Maximize cash back rewards on everyday purchases4
2.99% APR1, 2 for 12 months on balance transfers followed by 15.24% -17.24% APR1 after intro period
Earn 3% Cashback Rewards on
gas, rideshare, taxi, EV charging, utilities, groceries, and wholesale clubs. 1% on all other purchases4
Earn 4% Cashback rewards
for the first 12 months in the above categories
Maximize rewards on travel-related purchases5
17.24% APR1
Earn 3X Rewards Points on travel, dining, gas, rideshare, taxi, and EV charging. 1% on all other purchases5
Earn 20,000 bonus points in the first 90 days when you spend at least $1,500 in net purchases5
If you are trying to build or rebuild your credit, check out our secured VISA card.