Our NOW Plus Rewards is More Rewarding than Ever!
NOW Plus Rewards Visa® Earn 2x the Points
- Rates as low as 14.49% APR* and no annual fee
- Earn 2 points for every $1 spent1 every day, everywhere, unlimited
- New cardholders can earn 50,000 bonus points when you spend $5,000 within first 120 days2
- Redeem points for cashback, travel, “pay with points” and more
- Travel services, Visa Luxury Hotel Collection, roadside dispatch, and other Visa cardholder benefits
Earn Bonus Points
- New! 50,000 bonus points when you spend $5,000 in purchases within the first 120 days of opening your NOW Plus Rewards card2
- Receive additional bonus points when you finance a home or auto loan3 with us:
- 1,000 points for every $10,000 borrowed for a mortgage or home equity loan (up to a maximum of 10,000 points)
- up to 2,500 points for a home equity line of credit
- 5,000 points for a qualifying auto loan
- Amplify your rewards through Ampre in-store and online at select merchants
* APR = Annual Percentage Rate. Rate current as of 08/01/25. Your initial Annual Percentage Rate (APR) will range from 14.49% 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.
1 Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments). Certain exclusions apply. Refer to the Consumer Credit Card Terms and Conditions for program details. 2X points offer valid as of 6/1/23 for consumer NOW Plus Rewards credit card cardholders only.
2 Offer valid only for new consumer NOW Plus Rewards credit card accounts opened beginning 8/1/25 and offer is subject to end at any time. Cardholder must be in good standing and spend $5,000 in net purchases within 120 days of opening new NOW Plus Rewards credit card to earn 50,000 bonus points. Bonus points to be automatically credited to NOW Plus Rewards account within 30 days of satisfying criteria.
3 Bonus points will be added to your NOW Plus Rewards Visa 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.
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