Our Card is All You’ll Need.

Credit cards don’t need to be complicated. Our Visa® cards offer low rates and fewer fees than you’ll find most anywhere else. In addition, our balance transfers have no fees and share the same low rates as purchases, which make these cards a perfect balance transfer option. Learn more about our cards and how they can keep your life and wallet simple.

Apply for a Credit Card

Every swipe is a chance to win up to 50,000 points!

Learn More and Enroll Here

Compare Our Visa Options

Apply Now
Northwest Visa

Variable rate based on prime plus a margin determined by your credit score.

Purchase & Cash Advance Rate
Minimum Monthly Payment
8.50% to 18.50% APR*
$25 or 2% of balance, whichever is greater


Share Secured Visa

Secured by a savings account.

Purchase & Cash Advance Rate
Minimum Monthly Payment
14.90% Fixed Rate
$20 or 3% of balance, whichever is greater

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply.

Visa Disclosures
Visa Card Agreement 
Service Fees and Charges

All Rewards cards get rewarded for:

  • Opening a new account. Earn 10,000 bonus points after 90 days and a minimum of $1,000 in purchases. AND you’ll earn 3 points for every $1 spent for the first 90 days.
  • Spending. Earn 1.5 points for every $1 spent.
  • Cash Advances. Earn 1 point for every $10 on cash advances, no limit.
  • Balance Transfers. Earn 1 point for every $10 on balance transfers, no limit.
  • Keeping your card active. Earn 1,000 points every year on your card anniversary (the month you opened up your Visa® Rewards card).
  • Using eServices. Earn 500 points by setting up your card with the following amenities:

Apply Now


Platinum Northwest Rewards Visa

Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum Monthly Payment
Rewards
10.50% to 19.50% APR*
$25 or 2% of balance, whichever is greater
  • 1.5 Rewards Points for every $1 purchase
  • Opening bonus and options for bonus points


Home Equity Rewards Visa - 1st Variable

Great for members who’d like ongoing access to equity with no existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum monthly payment
Features
Rewards
As low as 5.50% APR*
1% of balance or $125, whichever is greater
  • Up to 100% combined Loan-To-Value
  • Appraisal may be required
  • 10-year draw period
  • Easy access with Visa card
  • Option to Fix rate on balances over $5,000
  • Potential tax benefits**

  • 1.5 Rewards Point for every $1 purchase
  • Opening bonus and options for bonus points


Home Equity Rewards Visa - 2nd Variable

For members who’d like ongoing access to equity and have an existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum monthly payment
Features
Rewards
As low as 6.00% APR*
1% of balance or $125, whichever is greater
  • Up to 100% combined Loan-To-Value
  • Appraisal may be required
  • 10-year draw period
  • Easy access with Visa card
  • Option to Fix rate on balances over $5,000
  • Potential tax benefits**

  • 1.5 Rewards Point for every $1 purchase
  • Opening bonus and options for bonus points



Business Rewards Visa

Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum Monthly Payment
Rewards
12.50% to 21.50% APR*
$25 or 2% of balance, whichever is greater
  • 1.5 Rewards Point for every $1 purchase
  • Opening bonus and options for bonus points

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply.

**Talk to a tax professional about potential tax benefits.


Details about Visa Rewards Program

Visa Disclosure

Visa Card Agreement 

Business Visa Disclosure

Home Equity Disclosure

Service Fees and Charges


View your points or redeem them through eBanking or through the online portal. If you haven't logged in before, click "Register" and follow the prompts to set up your profile.

Go to the Northwest Rewards Portal

For questions about points and redemption call (888) 710-1107.


Apply for Business Visa Now


Business Rewards Visa

Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum Monthly Payment
Rewards
12.50% to 21.50% APR*
$25 or 2% of balance, whichever is greater
  • 1 Rewards Point for every $1 purchase
  • Opening bonus and opportunities for bonus points

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply.

Visa Card Agreement

Business Visa Disclosures

Business Services and Loans Fees and Charges
Apply for a Home Equity Visa Now


Home Equity Rewards Visa - 1st Variable***

Great for members who don't have an existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum monthly payment
Features
Rewards
As low as 5.50% APR*
1% of balance or $125, whichever is greater
  • Up to 100% combined Loan-To-Value
  • Appraisal may be required
  • 10-year draw period
  • Easy access with Visa card
  • Option to Fix rate on balances over $5,000
  • Potential tax benefits**

  • 1 Rewards Point for every $1 purchase
  • Opening bonus and opportunities for bonus points



Home Equity Rewards Visa - 2nd Variable***

Great option for members who have an existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum monthly payment
Features
Rewards
As low as 6.00% APR*
1% of balance or $125, whichever is greater
  • Up to 100% Combined Loan-To-Value
  • Appraisal may be required
  • 10-year draw period
  • Easy access with Visa card
  • Option to Fix rate on balances over $5,000
  • Potential tax benefits**

  • 1 Rewards Point for every $1 purchase
  • Opening bonus and options for bonus points

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply. The annual percentage rate is based on the value of an index. The index which is the Western Edition Wall Street Journal Prime Rate. The annual percentage rate can change quarterly on the 11th day of January, April, July and October.

**Talk to a tax professional about potential tax benefits.

***To open your account, you must pay certain fees to third parties such as appraisers, credit reporting firms, and government agencies. These fees generally total between $379.00 - $513.00. Upon request, we will provide you with an itemization of the fees you will have to pay to third parties.


Home Equity Disclosures

Service Fees and Charges

Visa Card Agreement

Manage Your Card Anytime

Turn your card on/off and manage spending easily.

Learn More About CardValet