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The Verdict: The Member Rewards card from Northwest offers cardholders benefits like no annual fee, no cost for balance transfers and an APR as low as 8.0%. This card offers a good rewards system as well with points that do not expire and 5,000 bonus points upon opening an account. As the APR may be as high as 18.0%, this card is a good choice for members who do not carry a balance and want to be rewarded for every day purchases. Cardholders who qualify for the lowest APR may also use the card for balance transfers from a high-interest card.
Overview: There are three credit cards offered to members of the Northwest Federal Credit Union. The Visa Platinum, First Card Visa Platinum and Member Rewards Mastercard all offer benefits to cardholders, including low costs and possible rewards. The Member Rewards card offers rewards that do not expire, an APR as low as 8.00% and no-fee balance transfers.
How These Cards Work: The Members Rewards Mastercard is accepted worldwide through the Mastercard network. Access to cash is available as cash advances through ATMs. This card offers fraud protection through Mastercard Secure Code, which allows the cardholder to create a password for online shopping. This verifies identity and prevents fraudulent charges. Cardholders are not responsible for fraudulent charges on this card. Cardholders receive a bonus of 5,000 rewards points after the first purchase. Rewards points never expire and airline rewards start at 9,000 points.
Travel & Shopping Benefits: This credit card offers basic shopping and travel benefits. Emergency assistance is provided, including cash disbursement and card replacement. Purchase protection is also available to cover items that are damaged or stolen within 90 days of purchase. Price protection is also available. If the cardholder finds a new item priced lower within 60 days of purchase they can be reimbursed for the price difference. Extended warranties are also provided up to one year for items purchased with the Mastercard. This credit card also earns 1 point for every $1 spent that may be redeemed through ScoreCard for merchandise and travel.
Fees: There is no annual fee for the Members Rewards Mastercard. The variable APR is between 8.00% and 18.00%, depending on credit worthiness. This APR applies to purchases, balance transfers and cash advances. This credit card has no penalty APR or minimum interest charge. There is no fee for cash advances or balance transfers. A foreign transaction fee between 0.8% and 1% may apply. Late or returned payments may incur a fee up to $35. There is no over the limit fee.
- No annual fee
- No fee for balance transfers and cash advances
- No hidden costs
- APR as low as 8.00%
- Rewards program offers 1 point for every $1 spent
- 5,000 bonus points
- Must be a Northwest member to apply
- APR as high as 18.00%