transportation

Review: NIH Federal Credit Union Cash Rewards

The Cash Rewards Visa from NIH Federal Credit Union is a no-fee card aimed at covering everyday home expenses. It has fair cash back rates for groceries, gas, streaming, and more. It isn’t a go-to option for some people, but it’s definitely worth a look. It covers multiple useful categories.

FEATURES AT A GLANCE

  • No annual fee
  • 1% foreign transaction fee
  • 3% cash back for groceries and wholesale clubs
  • 3% cash back on utilities and streaming
  • 3% cash back on gas ($6,000 annual spending limit), EV charging, and rideshare/taxis
  • 1% cash back on everything else

Review: NIH Federal Credit Union Travel Rewards

The Travel Rewards Visa Signature from NIH Federal Credit Union is a no-fee card which earns decent cash back rates for travel and restaurants. It’s good for both domestic and international trips. The only big quirk is a spending limit on gas purchases, so you may want to consider other cards for that category.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 3% cash back on travel (airlines, hotels, trains, buses, car or boat rentals, tours, tolls, rideshare, taxis, etc)
  • 3% cash back on gas ($6,000 annual spending limit) and EV charging
  • 3% cash back on dining
  • 1% cash back on everything else