Credit Cards

Platinum

Our lowest variable rate credit card.

  • No annual fee4
  • Variable rate as low as 7.24% APR4
  • Valuable Visa® cardholder benefits
  • Contactless Tap & Pay for easy, secure checkout
  • Convenient card management in Online Banking to quickly conduct balance transfers, view your balance, enroll in eStatements, and pay your bill
Business Visa® Platinum card features rate as low as 7.49% APR
Valuable business cardholder benefits
Visa Platinum card

NOW REWARDS

Up to 2% cash back* on purchases.

  • Premier Points of 2% cash back on purchases everywhere for consumer cardholders who meet the monthly qualifications* or
    standard rewards of 1.25 points for every $1 spent on purchases1 
  • Points can be redeemed for cash back, travel, gift cards, and more
  • Variable-rate as low as 8.24% APRand no annual fee
  • Ampre bonus reward offers both in-store and online at selected merchants
  • Bonus points when you finance an auto or home loan with us3
  • Easy access to rewards through Online Banking
Business NOW REWARDS card features rate as low as 8.49% APR
Business cardholders earn 1.25 points for every $1 spent
NOW REWARDS card

FirstCard Platinum

Low credit limit for establishing or re-establishing credit.

  • Non-variable rate of 12.90% APR5
  • No annual fee
  • No-fee cash advances

Applicants must complete the course, Credit 101 as part of the application. This course can be completed online through the Knowledge of Financial Education (KOFE) program.

If you are under 18, please fill out our paper application.

$250 credit limit for members under 18 years old. (Co-applicant required. Minimum age: 15)
Up to $1,000 credit limit for members 18 and older
Visa Platinum card
Credit Card Benefits & Features

Visa® Credit Cardholder Benefits

You’ll receive valuable cardholder benefits when you use your Northwest Federal Visa® credit card to pay for purchases, trips, hotel rooms, rental cars and more. These benefits and coverages include:

  • Emergency Services: card replacement, emergency cash advance, and lost/stolen card reporting.
  • Security and Protection: purchase protection (including purchase protection from porch piracy of online purchases), ride share protection, ID theft protection, and more.
  • Travel: trip cancellation insurance, lost luggage reimbursement, travel accident insurance, auto collision damage waiver, and more. 
  • Luxury and Lifestyle: Visa luxury hotel collection, Visa concierge, and more for NOW REWARDS cardholders with limits of $5,000 or more.

Click below for details about Visa's Guide to Benefits for Northwest Federal's credit and debit cards. 

Digital Services

Online Banking makes it easy to manage your credit card online: view transactions, make credit card payments, conduct balance transfers, and enroll in credit card eStatements within Online Banking.

CardControl+ App helps you manage and protect your card right from your mobile device. Download Northwest Federal's CardControl+ app from the App Store℠ or Google Play™ to start using this handy app today.

Contactless Payment is available for added convenience and security at the checkout. Look for the contactless symbol wherever you are to simply tap & pay!

Digital Wallets provide the ultimate in payment convenience when you're on the go. Click on each link for videos explaining how to add your card and begin enjoying this quick and easy payment method.

Apple Pay®Samsung Pay®Google PayTM | FitBit PayTM | Garmin PayTM| LG Pay®

Fraud & Purchase Protection

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 703-709-8900

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.

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 Digital Wallets immediately for extra payment convenience. 

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.

Don't yet carry a Northwest Federal credit card?
Ready to become a Northwest member?

CardControl+ app manages & protects your cards.

Protect your Northwest Federal credit and debit cards from potential fraud and enjoy convenient control of your funds, right from your mobile device with this handy app

Turn cards on/off, set transaction limits

Receive transaction alerts to track your card activity

Quickly and easily add your cards to your digital wallets

Set up travel memos to ensure your card works wherever you are

Download the App

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*Monthly qualifications to earn 2% cash back on NOW REWARDS purchases:
  • Average daily balance of $2,000 in Northwest Federal accounts (combined balance of savings / money market / checking)
  • Additional Northwest Federal products/services from two or more of the following categories:
    • Mortgage
    • Auto Loan
    • Personal Loan or Line of Credit**
    • Home Equity Loan
    • Land Loan
    • IRA Savings ($500 minimum balance)
    • IRA Certificate or Regular Certificate
    • Northwest Financial Advisors Client
    • Online Banking (must log-in at least once during monthly qualification cycle)

The qualification criteria must be satisfied on the Primary Cardholder's membership account to qualify. Qualification for the 2x points is re-evaluated monthly. The qualification cycle ("Qualification Cycle") begins on the last day of the prior month and ends one day prior to the end of the current month. The additional .75x points (from the base 1.25x points) is accrued for purchases made by qualifying cardholders in the month following each Qualification Cycle ("Accrual Period"). The accrued points are applied to the cardholder’s total points during the first week following the Accrual Period. **Balance must be greater than $0 on a Northwest Federal Line of Credit or Home Equity Line of Credit in order for this product to count toward the monthly qualifying criteria.

To illustrate, below is an example timeline of how points are awarded:

  • Qualification Cycle - Cardholder qualifies for 2x points in January’s Qualification Cycle which is December 31 through January 30.
  • Accrual Period - Cardholder is notified of qualification in early February and is earning 2x points on all purchases in that month. During the month of February, cardholder’s online points total will reflect 1.25x points.
  • The cardholder’s additional .75x points will be made available to redeem for rewards by the end of the first week of March (totaling 2x points earned on net purchases in February).

1 When monthly requirements are met, NOW REWARDS cardholders receive 2 points for every $1 in NOW REWARDS net purchases which may be redeemed for 2% cash back. If qualifications are not met, NOW REWARDS cardholders receive 1.25 points for every $1 in NOW REWARDS net purchases. Points earned in the NOW REWARDS program will expire 5 years from end of month in which points were earned.

Your initial Annual Percentage Rate (APR) 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, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount.

Bonus 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 is subject to change at any time.

Your initial Annual Percentage Rate (APR) will range from 7.24% 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, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount. 

Annual 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, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount.

Visa is a registered trademark of Visa International Service Association.
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. Credit Card Disclosure & Pricing Information.
LG Pay is a registered trademark of LG Corp.