VISA Credit Cards

Low rate…high rewards, the choice is yours

Now you have the power to choose the features most important to you – like low rates! NEFCU’s low credit card rates are locked in throughout 2016. Plus, NEFCU’s credit cards are EMV chip-enabled, so you can enjoy greater security and peace of mind.

EMV Chip Card FAQs EMV Video

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!

  • Low 1.99% APR1 on purchases and balance transfers made within the first 12 months of new card account opening date*
  • Non-promotional rates as low as 7.99% APR2
  • No annual fee

VISA Signature Elite Credit Card

Tend to pay off your monthly balance and want valuable rewards?
Then NEFCU’s VISA Signature Elite Credit Card will best meet your needs!

  • Earn 1.25 points per $1 spent. Redeem for travel, merchandise, gift cards, and more! PLUS spend $2,000 during the first 3 months of your account opening and earn an additional 20,000 points.*
  • Great rate — as low as 10.99% APR2
  • No annual fee
  • Additional benefits such as Purchase Protection, Trip Cancellation Insurance and more! See Summary of Benefits

Browse CURewards Redeem CURewards

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

Add security for your online purchases with Verified by VISA.

Credit Calculators Apply

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 for both purchases and balance transfers 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 7.99%-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 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 7.99%-17.99% APR on the VISA Advantage card and 10.99%-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 Balance Transfers and Cash Advances; 2% of each transaction in US dollars on Foreign Transactions. Transaction Fees for VISA Signature Elite include 2% of transaction amount for Balance Transfers and Cash Advances; 2% of each transaction in US dollars on Foreign Transactions. 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.