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  Northwest Community CU of Oregon Credit Card
Northwest Community CU of Oregon Credit Card Unaffiliated

Northwest Community CU of Oregon Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 8.25 - 17.25
Balance Transfer APR  (Variable APR) 8.25 - 17.25
Credit Score Range 650 - 850
Annual Fee $0

Northwest Community CU of Oregon Credit Card Review

This is a rewards credit card issued by Northwest Community Credit Union of Oregon. If you're wondering whether Northwest Community CU of Oregon 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

  • Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Northwest Community CU of Oregon Credit Card has a variable purchase APR that ranges from 8.25% up to 17.25%.
  • 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.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Northwest Community CU of Oregon Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Northwest Community CU of Oregon Credit Card is accepted.
  • Northwest Community CU of Oregon Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.

Northwest Community CU of Oregon Credit Card FAQ

Does Northwest Community CU of Oregon Credit Card have a cash back or rewards program?

Northwest Community CU of Oregon Credit Card is a rewards card.

Northwest Community CU of Oregon Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Northwest Community CU of Oregon Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Northwest Community CU of Oregon Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Northwest Community CU of Oregon Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability

What are the relevant APRs for Northwest Community CU of Oregon 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.

Northwest Community CU of Oregon Credit Card has a variable purchase APR that ranges from 8.25% up to 17.25%. The card has a variable balance transfer APR that ranges from 8.25% up to 17.25%. It also has a variable cash advance APR that ranges from 8.25% up to 17.25%.

Does Northwest Community CU of Oregon Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Northwest Community CU of Oregon 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 Northwest Community CU of Oregon Credit Card?

The following fees apply:

  • An overlimit fee of $25.
Northwest Community CU of Oregon Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $25
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 Northwest Community CU of Oregon Credit Card have a foreign transaction fee?

Northwest Community CU of Oregon 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 Northwest Community CU of Oregon Credit Card?

The Northwest Community CU of Oregon Credit Card customer service number is (800) 452-9515.

What is the support contact email for Northwest Community CU of Oregon Credit Card?

The support contact email for Northwest Community CU of Oregon Credit Card is connect@nwcu.com.

What is the Northwest Community CU of Oregon Credit Card login page?

You can access the Northwest Community CU of Oregon Credit Card login page here.

How do people rate the customer service and user experience of Northwest Community CU of Oregon Credit Card?

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

Does Northwest Community CU of Oregon Credit Card report your account activity to credit bureaus?

Northwest Community CU of Oregon Credit Card does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help improve your credit.

How to apply for Northwest Community CU of Oregon Credit Card

  • Visit the Northwest Community CU of Oregon 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 10:00am - 5:30pm
  • Tuesday 10:00am - 5:30pm
  • Wednesday 10:00am - 5:30pm
  • Thursday 10:00am - 5:30pm
  • Friday 10:00am - 6:00pm
  • Saturday Closed

About Northwest Community CU of Oregon Credit Card

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Feature Breakdown

Cash Advance Fee Minimum 3
Cash Advance Fee (%) 1.50
Minimum Cash Advance Fee ($) 3
Foreign Currency Transaction Fee 1
No Annual Fee
Annual Fee $0
Over-Limit Fee 25
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee Up to 25
Paper Statement Fee 2
Additional Card Fee Amount 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
  • Equifax
  • TransUnion
  • None
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 8.25 - 17.25
Balance Computation a method called "average daily balance (including new purchases)."
Purchase APR (Variable APR) 8.25 - 17.25
Balance Transfer APR (Variable APR) 8.25 - 17.25
Card Type
  • Rewards
Card Network Visa

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