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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.

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.



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 8.24% 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.

Control Your Northwest Federal Credit Card From Your SmartPhone

Set the terms for when, where and how your credit card is used anytime, anywhere with our CardControl  app:

  • Turn cards on, off and back on again in seconds
  • Receive real-time, card-use notifications and spending limit alerts
  • Limit card use to specific merchants, amounts or geographic areas

Download Northwest Federal's CardControl app from the App Store℠ or Google Play™ to start using it today!

card protection app

App Store is a service mark of Apple Inc.
Google Play is a trademark of Google Inc

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.

Digital Wallets

Simplify the way you shop by adding your Northwest Federal credit and debit cards to these digital wallets on your phone or enabled watch or device.

To learn more, click on the above links for videos featuring how to add your card and begin enjoying greater payment convenience and security. 

Once you’ve added your card to these digital wallets, you can use your device(s) to make purchases at participating merchants wherever mobile or tap and pay transactions are accepted. It’s that easy!

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. 
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. 
Google Pay is a trademark of Google Inc.
Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. 
Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.