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  NIH FCU Visa Cash Rewards Credit Card
NIH FCU Visa Cash Rewards Credit Card
in Credit Cards from NIH Federal Credit Union
Unaffiliated

NIH FCU Visa Cash Rewards Credit Card

Unaffiliated
in Credit Cards from NIH Federal Credit Union
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Highlights
Purchase APR  (Variable APR) 10.99% - 15.99%
Balance Transfer APR  (Variable APR) 10.99% - 15.99%
Credit Score Range 650 - 850
Annual Fee $0

NIH FCU Visa Cash Rewards Credit Card Review

This is a rewards card issued by NIH Federal Credit Union. If you're wondering whether NIH FCU Visa Cash Rewards Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. NIH FCU Visa Cash Rewards Credit Card has a variable purchase APR that ranges from 10.99% up to 15.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. NIH FCU Visa Cash Rewards Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of NIH FCU Visa Cash Rewards Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 10.99% up to 15.99%.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere NIH FCU Visa Cash Rewards Credit Card is accepted.
  • NIH FCU Visa Cash Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.

NIH FCU Visa Cash Rewards Credit Card FAQ

Does NIH FCU Visa Cash Rewards Credit Card have a cash back or rewards program?

NIH FCU Visa Cash Rewards Credit Card is a rewards card.

NIH FCU Visa Cash Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does NIH FCU Visa Cash Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does NIH FCU Visa Cash Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the NIH FCU Visa Cash Rewards Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for NIH FCU Visa Cash Rewards Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

NIH FCU Visa Cash Rewards Credit Card has a variable purchase APR that ranges from 10.99% up to 15.99%. The card has a variable balance transfer APR that ranges from 10.99% up to 15.99%. It also has a variable cash advance APR that ranges from 10.99% up to 15.99%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does NIH FCU Visa Cash Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.

NIH FCU Visa Cash Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 10.99% - 15.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%

Does NIH FCU Visa Cash Rewards Credit Card have an intro APR offer on new purchases?

NIH FCU Visa Cash Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the fees for NIH FCU Visa Cash Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
NIH FCU Visa Cash Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does NIH FCU Visa Cash Rewards Credit Card have a foreign transaction fee?

NIH FCU Visa Cash Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for NIH FCU Visa Cash Rewards Credit Card?

The NIH FCU Visa Cash Rewards Credit Card customer service number is (800) 877-6440.

What is the support contact email for NIH FCU Visa Cash Rewards Credit Card?

The support contact email for NIH FCU Visa Cash Rewards Credit Card is nihfcu@nihfcu.org.

What is the NIH FCU Visa Cash Rewards Credit Card login page?

You can access the NIH FCU Visa Cash Rewards Credit Card login page here.

How do people rate the customer service and user experience of NIH FCU Visa Cash Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does NIH FCU Visa Cash Rewards Credit Card report your account activity to credit bureaus?

Yes, NIH FCU Visa Cash Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for NIH FCU Visa Cash Rewards Credit Card

  • Visit the NIH FCU Visa Cash Rewards Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by NIH Federal Credit Union

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Availability

  Available in 1 state and Washington, D.C.
  • Maryland
  • Washington, DC

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) $10 - $75
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 10.99% - 15.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Credit Limit $2,500 - $25,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 10.99% - 15.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 10.99% - 15.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
Card Network Visa

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