The Northwest Federal Credit Union is a personal credit card from Northwest Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is 13.99% to 18.00% variable (initial APR based on creditworthiness; changes monthly with the Prime Rate). Signup bonus: 50,000 bonus points when you spend $5,000 in net purchases within 120 days of opening (accounts opened on or after 8/1/25; may end at any time). Rewards: Earn 2 points for every $1 in net purchases every day, everywhere, unlimited. This product reports activity to your personal credit report.