Northwest FCU NOW REWARDS Credit Card

Northwest FCU NOW REWARDS Credit Card Review

This is a cashback card issued by Northwest Federal Credit Union. If you're wondering whether Northwest FCU NOW REWARDS Credit Card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 500 points that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Northwest FCU NOW REWARDS Credit Card has a variable purchase APR that ranges from 8.24% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Northwest FCU NOW REWARDS 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.
• Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, 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 Northwest FCU NOW REWARDS Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Identity Theft Protection. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Northwest FCU NOW REWARDS Credit Card is accepted. Northwest FCU NOW REWARDS Credit Card reports to multiple credit bureaus.	Charges a 3% balance transfer fee.

Northwest FCU NOW REWARDS Credit Card FAQ

Does Northwest FCU NOW REWARDS Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Northwest FCU NOW REWARDS Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	500
Signup Bonus Spend Period (months)	1 months

What are the Northwest FCU NOW REWARDS Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Northwest FCU NOW 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.

Northwest FCU NOW REWARDS Credit Card has a variable purchase APR that ranges from 8.24% up to 18%. The card has a variable balance transfer APR that ranges from 8.24% up to 18%. It also has a variable cash advance APR that ranges from 8.24% up to 18%.

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 FCU NOW REWARDS Credit Card?

The following fees apply:

• There is no overlimit fee

Northwest FCU NOW REWARDS 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 cashback card.

Does Northwest FCU NOW REWARDS Credit Card report your account activity to credit bureaus?

Yes, Northwest FCU NOW 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 Northwest FCU NOW REWARDS Credit Card

• Visit the Northwest FCU NOW 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.