The NIH Federal Credit Union is a business credit card from NIH Federal Credit Union. The annual fee is $0. The ongoing APR is Variable APR of Prime + 7.74% (Prime as published in The Wall Street Journal); maximum rate 18% (information as of 10/12/2026). Rewards: 2X points on select business categories (medical equipment, office furniture, office supplies, cable/satellite). Cash back: 2X Rewards on medical equipment-related purchases and other select categories. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Soft pull on personal credit (Equifax) per myFICO community data points. Membership open to anyone via affiliated organization donation. Initial limits typically $5,000-$10,000.