VISA Credit Cards

Low rate…high rewards, the choice is yours

Now you have the power to choose the features most important to you.

VISA Advantage Credit Card

Carry a balance on your credit card?
Then our low-rate NEFCU VISA Advantage card may be the perfect fit for you!

  • Introductory Rate as low as 1.99% APR1 on purchases within the first 12 months
  • Non-promotional rates as low as 8.49% APR after introductory rate
  • NO Annual Fee
  • NO balance transfer Fee
  • NO foreign transaction Fee
  • Additional benefits such as $250,000 in travel accident insurance

Apply Now

Request a Limit Increase

Upgrade to Advantage Card

VISA Signature Elite Credit Card

Looking for rich rewards? Then NEFCU’s VISA Signature Elite Credit Card will best meet your needs!

  • You can earn 1.25 points per $1 spent. Redeem for travel, merchandise, gift cards, and more!
  • Spend $2,000 during the first three months of your account opening an earn an additional 20,000 points
  • Convert your points to cash2
  • Manage your points to eliminate blackout dates and travel restrictions
  • Great rate — as low as 11.49% APR3
  • NO Annual Fee
  • NO balance transfer fee
  • NO foreign transaction fees
  • Additional benefits such as Purchase Protection, Trip Cancellation Insurance, and more! See Summary of Benefits.

Apply Now

Request a Limit Increase

Upgrade to a Signature Elite Card

Secured and Student Cards are available for members who want to build or rebuild credit and for students who want to establish credit.

NEFCU's credit cards are EMV chip-enabled, so you can enjoy greater security and peace of mind. Plus, you can add Purchase Protection for FREE when you register with Verified by Visa.

Want to know more? Contact us.

* New Cardholders only. Existing NEFCU Cardholders are not eligible.

1 APR=Annual Percentage Rate. Stated promotional rate of 1.99% APR is valid for 12 months from the date of account opening. Use of your card for purchases and balance transfers constitutes your agreement to the stated terms, as well as your account terms as a VISA cardholder. Balance transfers must post to your card by the end of the promotional period. After the promotional period, the cardholder's APR will default to the card's regular non-promotional APR ranging from 8.49%-17.99%. Offer does not apply to Business Cards. Existing NEFCU balance transfers are subject to the standard account rate. Refer to your cardholder disclosure for account details.

2 Points to cash option allows members to use points to make a NEFCU VISA® Signature Elite Credit Card payment or a cash deposit to their NEFCU Accounts, $25 minimum per conversion.

3 Rates are based on applicant's credit history. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Rates range from 8.49%-17.99% APR on the VISA Advantage card and 11.49%-17.99% APR on the VISA Signature Elite card. Rate and credit line you are issued is based on your credit history. Not all applicants may be approved. Subject to the VISA Advantage terms and conditions and VISA Signature Elite terms and conditions. Please refer to your VISA Signature Benefits Guide for full details on your benefit program. All loans are subject to credit approval. Not all applicants will qualify for a Signature Elite Card. Approved applicants with a credit limit of less than $5,000 will receive an Advantage card. NEFCU’s loan program offerings can change at any time.Traveling out of the country? Please let us know to avoid any card issues while away. Note: Transaction Fees for VISA Advantage include 3% of transaction amount for Cash Advances. Transaction Fees for VISA Signature Elite include 2% of transaction amount for Cash Advances. No Reward points will be earned for cash advances, including balance transfers and convenience checks.To report a lost or stolen credit card, or for questions, call: 516-561-0030 or 800-99-NEFCU outside of the LI/NYC area, or visit any NEFCU branch.

Rates and terms are subject to change without notice.