Earn everyday points
Use your reward card whenever you check out and earn points. Earning doesn't get any easier.
Earn bonus points
Start your shopping through our online network and be rewarded even more for all purchases made with your rewards card.
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.
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.
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.
2 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.
3 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.