Money Best Credit Cards 2015-2016 LogoFirstCard Visa® Platinum 

Designed for members who wish to establish credit, the FirstCard Visa® Platinum gives you all the benefits of a Platinum card, with a low non-variable rate, no annual fee and a reasonable credit limit.

Benefits & Highlights  

  • No annual fee 
  • Non-variable rate of 12.90% APR*
  • No-fee cash advances 
  • No-fee balance transfers 
  • 25-day interest free grace period for purchases 
  • Purchase security protection 
  • Travel benefits, including accident insurance up to $500,000
  • Convenient online access through our newly redesigned MyCardInfo site -conduct online balance transfers; set travel memos for your account; receive optional text alerts** to help prevent fraudulent transactions from occurring on your card, and more. To access MyCardInfo directly from Online Banking simply click on your credit card account.    

Added Online Purchasing Protection

The complimentary Verified by Visa® service is designed to provide an added level of security to online payment transactions by using personal passwords to help protect Visa® card numbers against unauthorized use. Learn more about the benefits of Verified by Visa® at their official website.

Online Course Requirement

To get your credit history off to a good start, Northwest Federal wants to make sure you know how to use credit wisely. As part of your FirstCard credit application, you’ll need to complete the 10-question online course, “Credit Matters.” At the conclusion of the course, take the short quiz and the results will automatically be sent to Northwest Federal. Click here to begin the Credit Matters course now.

FirstCard Age Requirements


Credit Limit


To Apply

Under 18



Print a PDF of the credit application

18 and older



Online application

**Co-Signer will be required if the primary member does not have sufficient income or assets to make the loan payments.


*The non-variable Annual Percentage Rate is 12.90%. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount.  
**Northwest Federal does not charge for this service. However, standard text message and data rates assessed by your mobile carrier may apply. Please check with your mobile carrier to ensure that you have "text messaging" on your monthly mobile phone plan.  

Obtaining any loan with Northwest Federal requires membership eligibility and becoming a member by opening a primary savings account.