Credit Cards

The Right Card for You—Right Now

Online shopping. Hotel stays. A big night out. Dry cleaning. Your credit card comes in handy for everything. And we’ve got the perfect one to fit your life—and your lifestyle.

NRLFCU offers a variety of credit cards. But no matter which card you choose, you’ll enjoy:

  • No annual fee.
  • Balance transfer from other high-rate cards.
  • Competitive, non-variable interest rates.
  • Free Purchase Alerts
  • Online balance and payment status, recent transactions, eStatements and more.
  • Access to your card’s line of credit at thousands of ATMs worldwide.
  • Convenient 24-hour phone access for balance and payment information.
  • The option to have payments deducted directly from your NRLFCU account automatically (AutoPay) or on demand.  Plus, you can pay directly out of any checking account with the PayMyBill feature.
  • Peace of mind in knowing there is a $0 liability limit against unauthorized use of any of your NRLFCU credit cards.
  • Free common carrier travel insurance when you use your NRLFCU credit card to pay for airline tickets.

Credit Card Agreement and Disclosures

We offer a choice of Visa® cards, including the Visa Platinum card with CU Rewards.  Each is accepted worldwide and provides options for added security  —  all with no annual fee.

Secured Visa

Are you just starting out? Want to establish (or reestablish) credit while your NRLFCU savings secures your card? This is a great choice. Plus, you’ll get $200,000 in common carrier travel insurance at no charge.

Visa Gold

Love to travel? Love to shop? This card puts even more spending power in your hands, plus added benefits for jetsetters—including travel assistance services such as passport information or finding a doctor who speaks your language. Plus, you get $500,000 in common carrier travel insurance—free—when you purchase airline tickets with your card.

With any NRLFCU Visa, you’ll enjoy benefits such as:

  • Credit Lines up to $15,000.
  • No annual fee.
  • Price protection reimburses you for the price difference if you find a recent purchase on sale for less.
  • Extended Warranty doubles the original manufacturer’s or store brand warranty for up to one year.
  • ID theft resolution services helps you detect and resolve identity theft—at no extra cost.

Visa Platinum

Do you love to be rewarded for everything you charge? This prestigious card lets you earn rewards points toward free airfare, hotel stays, merchandise and NRLFCU services as part of our CU Rewards program. Plus, you’ll enjoy:

  • A low introductory rate.
  • Credit Lines up to $50,000.
  • No annual fee.
  • $1,000,000 in common carrier travel insurance.
  • Free Visa Alerts that send instant alerts straight to your cell phone, email or both whenever transactions occur on your card. Select any or all of the following to get Visa Alerts:
    • Transaction declined
    • Out-of-country transactions
    • Card-not-present transactions (such as Internet purchases)
    • Gas station transactions
    • Card transactions exceeding an amount you set