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.

• 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.

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.

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.

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 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.