The NIH Federal Credit Union is a personal credit card from NIH Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 16.74% to 17.74% variable (disclosure effective October 1, 2026) after a 0% intro APR on purchases and balance transfers for 15 billing cycles introductory rate. Approval typically requires a credit score of good or better credit or higher. Signup bonus: Spend $1,500 in 90 days of account opening and earn 20,000 bonus points.. Rewards: 3X rewards points on travel, dining, gas, rideshare/taxi and EV charging; 1x on all other net purchases.