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  NIH FCU Visa Signature Rewards Credit Card
NIH FCU Visa Signature Rewards Credit Card Unaffiliated

NIH FCU Visa Signature Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 12.99% - 14.99%
Balance Transfer APR  (Variable APR) 12.99% - 14.99%
Credit Score Range 650 - 850
Annual Fee $0

NIH FCU Visa Signature Rewards Credit Card Review

This is a rewards credit card issued by NIH Federal Credit Union. If you're wondering whether NIH FCU Visa Signature Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

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 Signature Rewards Credit Card has a variable purchase APR that ranges from 12.99% up to 14.99%.
  • 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 Signature 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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 Signature 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 12.99% up to 14.99%.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere NIH FCU Visa Signature Rewards Credit Card is accepted.
  • NIH FCU Visa Signature Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a 2% balance transfer fee.

NIH FCU Visa Signature Rewards Credit Card FAQ

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

NIH FCU Visa Signature Rewards Credit Card is a travel rewards card.

NIH FCU Visa Signature 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 Signature Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the NIH FCU Visa Signature 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 Signature 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 Signature Rewards Credit Card has a variable purchase APR that ranges from 12.99% up to 14.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 14.99%. It also has a variable cash advance APR that ranges from 12.99% up to 14.99%.

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

Does NIH FCU Visa Signature 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 Signature Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 12.99% - 14.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%

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

NIH FCU Visa Signature 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 Signature Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
NIH FCU Visa Signature Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
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 Signature Rewards Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

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

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

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

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

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

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

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

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

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

Yes, NIH FCU Visa Signature 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 Signature Rewards Credit Card

  • Visit the NIH FCU Visa Signature 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.

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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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View all credit cards offered by NIH Federal Credit Union

Availability

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

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 0%
No Annual Fee
No Foreign Transaction 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 Categories
  • Every Purchase
Cash Advance APR (Variable APR) 12.99% - 14.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Credit Limit $2 - $25
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 12.99% - 14.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 12.99% - 14.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
Card Network Visa

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