Earn points that can be used for travel, cash back and more!
Variable rate as low as 10.49%4
1.25x the points for every $1 in purchases1
Bonus rewards and benefits
Features our lowest variable rate plus many valuable benefits.
Variable rate as low as 9.49% APR5
No annual fee
No-fee cash advances
Offers a low credit limit for members establishing or re-establishing credit.
Non-variable rate of 12.90% APR6
No annual fee
No-fee cash advances
You’ll receive valuable cardholder benefits when you use your Northwest Federal Mastercard® or Visa® credit card to pay for purchases, trips, hotel rooms, rental cars and more. These benefits and coverages include:
- Safety and Security: price protection, extended warranty, theft protection, and wallet replacement.
- Emergency Services: card replacement, emergency cash advance, lost/stolen card reporting, and car rental collision damage waiver.
- Access and Lifestyle Benefits: opportunities to enjoy unforgettable experiences in the cities where you live and travel.
- Travel Benefits: roadside assistance, hotel burglary coverage, lost luggage protection, and emergency medical/dental coverage.
MyCardInfo makes it easy to manage your credit card online. Visit MyCardInfo today. If you're an Online Banking user, you can access MyCardInfo directly by clicking on your credit card account within Online Banking.
Digital Wallets can be used for added convenience and security when using a Northwest Federal credit card at checkout. Look for the contactless symbol wherever you are to simply tap and pay!
Apple Pay® is a simple and secure way to make purchases with your Northwest Federal credit card or debit card. Once you’ve added the card to your Passbook® on your iPhone® 6 or later, you’ll just hold your phone near a participating merchant’s contactless reader to pay. A vibration and beep let you know your payment has been accepted.
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Fraud & Purchase Protection
Northwest Federal offers alerts to help prevent fraudulent transactions from occurring on your credit card.
Sign up to receive a text to your mobile phone when a suspicious transaction is identified. Watch this video to learn how you can start protecting your credit card account with text alerts today. For online tools, resources and consumer protection tips to keep you informed, turn to our Security & Protection page.
If you ever experience fraud, we’re here for you.
If your card is lost or stolen, or you suspect you’re a victim of fraud, call Northwest Federal immediately at 800-336-3384.
Use these online forms to report fraudulent use. If you knowingly gave your account information to a merchant and didn't receive the product or service as expected, complete this dispute form.
Lost or stolen credit card?
If you live near a Northwest Federal branch, you no longer have to wait for your card to arrive by mail. You can now get a replacement credit card issued to you on the spot! Keep this in mind if your card is ever lost, stolen, or damaged.
Remember, our credit cards are contactless. Just tap & go wherever you see the contactless payment symbol. It’s faster than using a chip and great for on-the-go purchases like filling up your gas tank or grabbing that morning cup of coffee!
When you get your credit card reissued at the branch, you can also add it to Apple Pay® immediately. Additional digital wallets are coming soon!
1Points are earned on purchases only. Points are not earned for convenience checks, cash advances, balance transfers, returned purchases or purchases that are reversed. Points earned in the NOW REWARDS program will expire 5 years from end of month in which points were earned.
2New NOW REWARDS cardholders must log-in to their Northwest Federal Online Banking account to access their NOW REWARDS account within 30 days of opening their new NOW REWARDS card in order to receive 500 bonus points. Offer valid as of 7/1/19 and subject to change.
3Bonus points will be added to your NOW REWARDS account upon obtaining a qualifying Northwest Federal auto loan, mortgage, home equity loan/home equity line of credit. Some restrictions apply. Not valid on refinance of an existing Northwest Federal loan. Offer valid as of 7/1/19 and subject to change.
4Your initial Annual Percentage Rate (APR) will range from 10.49% to 18.00% based on your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee and no cash advance fee. Balance transfers are subject to a 3% fee on the transaction amount. Foreign transactions are subject to a fee of up to 1% of the transaction amount.
5Your initial Annual Percentage Rate (APR) will range from 9.49% to 18.00% based on your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount.
6Annual Percentage Rate (APR) is non-variable. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount.