RateHerald

Our illustration, not the card’s design

Nih Federal Credit Union credit card

Nih FCU Visa Platinum Card

No annual fee. Purchase APR 11.99–16.99%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
Credit asked

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$265$215
Typical spender$590$490
Heavy spender$1,090$950
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: 4% the first year, then 3%: EV Charging; 4% the first year, then 3%: Gas; 4% the first year, then 3%: Groceries; 4% the first year, then 3%: Pharmacy/Drug Store; 4% the first year, then 3%: Rideshare/Taxi; 4% the first year, then 3%: Utilities.

$215a year

$265 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: 4% the first year, then 3%: EV Charging; 4% the first year, then 3%: Gas; 4% the first year, then 3%: Groceries; 4% the first year, then 3%: Pharmacy/Drug Store; 4% the first year, then 3%: Rideshare/Taxi; 4% the first year, then 3%: Utilities.

$490a year

$590 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: 4% the first year, then 3%: EV Charging; 4% the first year, then 3%: Gas; 4% the first year, then 3%: Groceries; 4% the first year, then 3%: Pharmacy/Drug Store; 4% the first year, then 3%: Rideshare/Taxi; 4% the first year, then 3%: Utilities.

$950a year

$1,090 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: 4% the first year, then 3%: EV Charging; 4% the first year, then 3%: Gas; 4% the first year, then 3%: Groceries; 4% the first year, then 3%: Pharmacy/Drug Store; 4% the first year, then 3%: Rideshare/Taxi; 4% the first year, then 3%: Utilities.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
  • Lower top APR than about 90% of the 651 cards we track.

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

CURewards

How you earn

3%
GasGroceriesUtilitiesEV ChargingPharmacy/Drug StoreRideshare/Taxi
1%
Everything else

Cash back, as a share of each purchase.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Cash advance APR
Foreign transactions
Grace period

Before you apply

  1. Credit the issuer asks for: Fair to good (issuer’s page).
  2. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  3. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 1%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
11.99–16.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What credit do you need?
Fair to good · nihfcu.org, since Nov 1, 2026
Read the card agreement

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