One more reason this season...

to reach for your Northwest Federal credit card.

 

Right now, you’ll enjoy 3.99% APR(*) on purchases made by December 31.

This low rate will last for 6 months. After that, the APR for the unpaid balance will be 8.74%-18.00%.(*)

Use your Northwest Federal Mastercard® or Visa® credit card to pay for:

  • Everyday purchases
  • Holiday travel tickets
  • Gifts for friends and family
  • Items for special occasions and holiday entertaining

Enjoy our low rate when you reach for your Northwest Federal credit card everywhere you shop through December 31—online and in stores!

Don’t yet carry a Northwest Federal credit card? Apply today!

 

Transfer balances and save!

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

0% APR for 6 months on balance transfers*
8.74% - 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.


NOW REWARDS

Now Rewards
Now Rewards Back

Earn points that can be used for travel, cash back and more!

Variable rate as low as 9.74%4

1.25x the points for every $1 in purchases1

Bonus rewards and benefits

Platinum

Platinum
Platinum Card Back

Features our lowest variable rate plus many valuable benefits.

Variable rate as low as 8.74% APR5

No annual fee

No-fee cash advances

FirstCard Platinum

FirstCard
First Card Back

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


Cardholder Benefits

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. 
Some restrictions apply. Read your Mastercard Guide to Benefits for details on cardholder benefits. Click here for more information and complete details about the Visa benefits described here, or call the Benefit Administrator at 1-800-553-4820, or call collect outside the U.S. at 1-303-967-1096
 
Mastercard Background Image

Digital Services

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 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
 
Digital Payment background image

Fraud & Purchase Protection

Northwest Federal's CardControl app can help prevent fraudulent transactions from occurring on your credit card. Set the terms for when, where and how your card is used anytime, anywhere right from your smart phone with this handy app.

Download our CardControl app from the App Store℠ or Google Play™ to start using it today!***

For online tools, resources and consumer protection tips to keep you informed, turn to our Fraud Prevention 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.

Protect Purchase
 

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.
 
Lost or Stolen Credit Card

(*)APR=Annual Percentage Rate. The 3.99% APR is valid on qualified purchases with your Northwest Federal credit card between November 1 and December 31, 2019 and is good for six billing cycles. After that, the APR for the unpaid balance will be 8.74%-18.00% (for Visa) and 9.74%-18.00% (for Mastercard) based on your creditworthiness and will vary with the market based on the Prime Rate. Variable rate 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. For FirstCard Visa cardholders, the unpaid balance will revert to the standard non-variable rate. The 3.99% APR is not valid on cash advances and balance transfers. There is no annual fee and no cash advance fee. Cardholders must be in good standing.
*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 8.74%-18.00% for Northwest Federal Visa or 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. For FirstCard Visa cardholders, the unpaid balance will revert to the standard non-variable rate. 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 8.74% to 18.00% based on the product you choose and 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.
***App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc
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 11/1/19 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 11/1/19 and subject to change.
4Your initial Annual Percentage Rate (APR) 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. 
5Your initial Annual Percentage Rate (APR) will range from 8.74% 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. 
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.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Visa is a registered trademark of Visa International Service Association.