Platinum Rewards Credit Card
Earn rewards on everyday purchases with no annual fee, easy online access, and local help when you need it.
A rewards card made for you
Earn rewards on everyday purchases, with no annual fee, flexible ways to use points, and local service when you need help.
Rates starting at
Get a card with rates designed to stay fair and simple. Rates start at
Earn bonus points
New cardholders can earn 5,000 bonus points after spending $1,000 or more within the first 90 days.
1% cash back
Earn rewards as you use your card for everyday purchases. Points can be used for cash back and more.
Use rewards your way
Redeem points for travel, cash back, gift cards, donations, and merchandise. Rewards expire after 5 years.
No annual fee*
Keep more of what you earn. This card has no annual fee, with no balance transfer fees or foreign transaction fees.
Local service, simple access
Get help from a local credit union team and manage your card with one online login for all your credit union accounts.
Your card comes with more
Earn valuable rewards on everyday purchases while enjoying the convenience, security, and benefits of a Northwoods Credit Union credit card. Redeem points for travel, merchandise, gift cards, and more.
Compare our Platinum Rewards Card rates with leading competitors.
| APR* for | Visa Platinum | Visa Rewards |
|---|---|---|
|
Purchases |
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Balance transfers |
|
|
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Cash advances |
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|
Rates effective as of: August 26, 2026
How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum interest charge: If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau
* APR = Annual Percentage Rate
* Rates are determined based on the creditworthiness of the applicant.
* Terms are determined based on the creditworthiness of the applicant and by the loan amount.
1 Rates when you open your account, based on your creditworthiness.
2 This APR will vary with the market based on the Prime Rate. Rates effective 1/1/2026 and subject to change without notice.
| Transaction fees |
None |
| Foreign transaction fee |
None |
| Late payment fee - Visa Platinum |
Up to $25.00 |
| Late payment fee - Visa Rewards |
Up to $25.00 |
| Returned payment fee |
Up to $25.00 |
Rates effective as of: August 26, 2026
*APR = Annual Percentage Rate
Rates based on creditworthiness. Rates range from
Repayment terms of 3% of the outstanding balance or $50, whichever is greater.
What our customers say
Friendly service and willing to work with you when you are in a down and out situation. I would highly recommend Northwoods Credit Union!
They really do make dreams come true! The staff are very courteous and treat you as a person and not just a number!
Everyone Is very professional and friendly. 15 minutes to create your acct and you obtain debit card in same visit. Absolutely couldn't ask for more
Make informed decisions with our resources
Apply for a card made for the Northland
Get everyday rewards, no annual fee, and local service when you need it. Available to eligible members. Rates, terms, and approval are based on creditworthiness.
Rates
| APR* for | Visa Platinum | Visa Rewards |
|---|---|---|
|
Purchases |
|
|
|
Balance transfers |
|
|
|
Cash advances |
|
|
Rates effective as of: August 26, 2026
How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum interest charge: If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau
* APR = Annual Percentage Rate
* Rates are determined based on the creditworthiness of the applicant.
* Terms are determined based on the creditworthiness of the applicant and by the loan amount.
1 Rates when you open your account, based on your creditworthiness.
2 This APR will vary with the market based on the Prime Rate. Rates effective 1/1/2026 and subject to change without notice.
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