
NIH FCU Visa Cash Rewards Credit Card
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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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of NIH FCU Visa Cash Rewards Credit Card
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NIH FCU Visa Cash Rewards Credit Card FAQ
Does NIH FCU Visa Cash Rewards Credit Card have a cash back or rewards program?
NIH FCU Visa Cash Rewards Credit Card is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | 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.
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?
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
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.
Contact
- Headquarters
-
111 Rockville Pike Suite 500
Rockville, MD 20850 USA - (800) 877-6440
- Visit Site
- Email Support
Other Services by NIH Federal Credit Union
Availability
- Maryland
- Washington, DC
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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