Last Updated: 07/28/2025
Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.74% - 29.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
19.74% - 29.74%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$390
Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card Review
This is a travel card issued by Northern Indiana Federal Credit Union. If you're wondering whether Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card is the right card for you, read on.
Key Takeaways
- If you're approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible net purchases totaling $4,500 or more are made to your account within 90 days from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.74% up to 29.74%.
- A 3.0% balance transfer fee. Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card charges a fee of 3.0% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.00.
- 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.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
Pros & Cons of Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card
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Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card FAQ
Does Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card have a cash back or rewards program?
Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | 6 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 6 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | 6 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 6 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card have a signup bonus?
Yes. If you're approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible net purchases totaling $4,500 or more are made to your account within 90 days from account opening.
Does Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card benefits?
Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card has a variable purchase APR that ranges from 19.74% up to 29.74%. The card has a variable balance transfer APR that ranges from 19.74% up to 29.74%. It also has a variable cash advance APR of 29.99% .
Does Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $390.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $390.00.
Does Northern Indiana FCU Visa Infinite® Reserve 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 Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card?
The customer service number for Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card is (219) 942-3377.
What is the support contact email for Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card?
The support contact email for Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card is info@nifedcu.org.
What is the login page for Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card?
You can access the login page of Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card here.
How do people rate the customer service and user experience of Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card report your account activity to credit bureaus?
Yes, Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Northern Indiana Federal Credit Union perform a hard credit pull?
Yes, Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card
- Visit the website of Northern Indiana FCU Visa Infinite® Reserve Rewards+ Credit Card.
- 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed