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Earn everyday points

Use your reward card whenever you check out and earn points. Earning doesn't get any easier.

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Earn bonus points

Start your shopping through our online network and be rewarded even more for all purchases made with your rewards card.

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Redeem on the go

Get your rewards on the go with the mobile site.

Save more, worry less

Consolidate your bills and save on finance charges with our special balance transfer offer:

0% APR for 6 months on balance transfers*
9.74% - 18.00% APR after 6 months**

If you’re already a Northwest Federal credit cardholder, transfer your high-rate retail and bank credit card balances today to save in 3 easy steps:   

  1. Log in to Online Banking
  2. Click on your credit card account
  3. Transfer balances online at MyCardInfo

Cardholders will be charged a 3% fee on the transferred amount.*

Don’t yet carry a Northwest Federal credit card? Apply today to take advantage of this introductory rate on balance transfers. Offer ends March 31, 2020.


The Future is NOW

Northwest Federal's credit card rewards program, NOW REWARDS, can take you where you want to go. Redeem points for a variety of exciting life experiences, travel, the latest electronics, or cash back to spend as you wish. Our credit cards are contactless. Just tap & go wherever you see the contactless payment symbol.

 

1.25x the Points Plus 500 Bonus Points!

Earn 1.25x the points for every $1 spent on everyday purchases.1  Plus, you’ll earn 500 bonus points when you login within 30 days of opening your new NOW REWARDS card.2 

No annual fee!

In addition to earning points on your everyday purchases, you'll save even more money because there's no annual fee3 on your NOW REWARDS card. See Credit Card Disclosure & Pricing Information for details. 

Now Rewards

 

Membership at Northwest Federal is free and it is easy to join. Learn more about membership eligibility or apply for the credit card today and join once you are approved.


Apply Today, Use Today!

Northwest Federal is leading the way with instant issue credit cards. You can now apply for a Northwest Federal credit card at one of our branches and get your new card handed to you on the spot. Add your new card to Apple Pay® immediately for extra payment convenience. Additional digital wallets are coming soon!

Lost, stolen or damaged credit card? If you live near a Northwest Federal branch, you no longer have to wait for your new card to arrive by mail but get a replacement credit card issued to you right at the branch. 

Remember, our credit cards are contactless. Just tap & go wherever you see the contactless payment symbol.

Apple Pay is a registered trademark of Apple Inc.

Your Next Journey Starts Now with NOW REWARDS!

Refer to the tabs below for other valuable Mastercard credit cardholder benefits you'll enjoy.

*APR=Annual Percentage Rate. 0% is the promotional rate on transfers made 9/1/2019-3/31/2020 for 6 months. After 6 months, the APR for the unpaid balance will be 9.74%-18.00% for Northwest Federal NOW REWARDS Mastercard credit cards based on your creditworthiness and will vary with the market based on the Prime Rate. 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. Promotional APR of 0% is available on balance transfers from other financial institutions to your Northwest Federal credit card during the promotional period up to your available credit limit. There is a 3% fee on the transferred amount. Finances charges will be applied from the day the balance is transferred to your Northwest Federal credit card. NOW REWARDS cardholders do not earn reward points for balance transfers.

**Your initial Annual Percentage Rate will range from 9.74% 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 transferred amount.

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.

New NOW REWARDS cardholders must log-in to their Northwest Federal Online Banking account within 30 days of opening their new NOW REWARDS card in order to receive 500 bonus points.

Your initial Annual Percentage Rate will range from 9.74% 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.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. 
Credit Card Disclosure & Pricing Information.

Safety and Security

  • price protection
  • extended warranty
  • Mastercard ID Theft Protection and wallet replacement

Emergency Services

  • card replacement
  • emergency cash advance 
  • lost/stolen reporting
  • collision damage waiver

Access and Lifestyle Benefits

  • opportunities to enjoy unforgettable experiences in the cities where you live and travel

Travel Benefits 

  • online booking tool
  • Mastercard Airport Concierge 
  • travel services, including: roadside assistance, help with lost/stolen luggage, referrals to a network of physicians, hospital transport arrangements, referrals to attorneys/local embassies and consulates, trip cancellation insurance, lost luggage reimbursement, and more! 

Read your Mastercard Guide to Benefits for details on cardholder benefits.

Mastercard and Visa Transaction Alerts

Use transaction alerts to help keep your credit card account secure - sign up to receive a text message or email when your credit card is used. You can set custom alerts for transaction types and dollar amounts for: purchases over a selected amount, international purchases, online and phone purchases, and declined transactions. Register your Northwest Federal credit card online today. 

MyCardInfo makes it easy to manage your credit card online

  • Enroll in eStatements
  • Make card payments
  • Transfer balances
  • Set travel memos
  • Download transactions to Quicken
  • Enroll in text alerts to help prevent fraudulent use 

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.

Apple 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 Apple Wallet 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.


Apple Wallet and iPhone are registered trademarks of Apple Inc.

Android is a trademark of Google LLC.

Google Play and the Google Play logo are trademarks of Google LLC.