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  Northwest Federal Credit Union FirstCard Visa Platinum Credit Card

Northwest Federal Credit Union FirstCard Visa Platinum Credit Card

in Personal Credit Cards from Northwest Federal Credit Union

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Northwest Federal Credit Union FirstCard Visa Platinum Credit Card

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in Personal Credit Cards from Northwest Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 12.9%
Balance Transfer APR  (Fixed APR) 12.9%
Credit Score Range 600 - 850
Annual Fee $0

Northwest Federal Credit Union FirstCard Visa Platinum Credit Card Review

This is a credit card issued by Northwest Federal Credit Union. If you're wondering whether Northwest Federal Credit Union FirstCard Visa Platinum 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
  • Competitive APRs. Northwest Federal Credit Union FirstCard Visa Platinum Credit Card has a fixed purchase APR of 12.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Northwest Federal Credit Union FirstCard Visa Platinum Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Northwest Federal Credit Union FirstCard Visa Platinum Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Northwest Federal Credit Union FirstCard Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
Northwest Federal Credit Union FirstCard Visa Platinum Credit Card FAQ

Does Northwest Federal Credit Union FirstCard Visa Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Northwest Federal Credit Union FirstCard Visa Platinum Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Northwest Federal Credit Union FirstCard Visa Platinum 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. It has lower than average regular APRs.

It has a fixed purchase APR of 12.9%. The card has a fixed balance transfer APR of 12.9% . It also has a fixed cash advance APR starting at 12.9% .

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

Does Northwest Federal Credit Union FirstCard Visa Platinum 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 Federal Credit Union FirstCard Visa Platinum 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 Federal Credit Union FirstCard Visa Platinum Credit Card?

The following fees apply:

  • There is no overlimit fee
Northwest Federal Credit Union FirstCard Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $35
Late Payment Fee up to $35

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

Does Northwest Federal Credit Union FirstCard Visa Platinum 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 Northwest Federal Credit Union FirstCard Visa Platinum Credit Card?

The Northwest Federal Credit Union FirstCard Visa Platinum Credit Card customer service number is (844) 709-8900.

What is the support contact email for Northwest Federal Credit Union FirstCard Visa Platinum Credit Card?

The support contact email for Northwest Federal Credit Union FirstCard Visa Platinum Credit Card is nwfcu@nwfcu.org.

Does Northwest Federal Credit Union FirstCard Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Northwest Federal Credit Union FirstCard Visa Platinum 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 Northwest Federal Credit Union FirstCard Visa Platinum Credit Card

  • Visit the Northwest Federal Credit Union FirstCard Visa Platinum 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 - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

About Northwest Federal Credit Union FirstCard Visa Platinum Credit Card

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View all personal credit cards offered by Northwest Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 12.9%
Balance Computation a method called “average daily balance” (including new purchases.)
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 12.9%
Balance Transfer APR (Fixed APR) 12.9%
Balance Transfer Fee % 3%
Card Type
  • Low Interest
Card Network Visa

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