A Credit Card For The Northland
Start earning rewards like travel and cash back!
-Earn 5,000 bonus points with a new card when you spend $1,000 or more within the first 90 days!
-Rewards expire at 5 years
-Use your miles for travel, cash back, gift cards, donations and merchandise
-Earn 1% Cash Back
-Limits up to $50,000.00
-No Annual Fee*
-Rates start at 15.70% variable APR*
Local Service in Minnesota
Lower Rates and No Annual Fees
One online login for all your Northwoods Credit Union accounts
No Balance Transfer Fee or Foreign Transaction Fees
Competitive Credit Card Rates
Choose a Platinum Card with Northwoods Credit Union and start taking advantage of our amazing benefits as well as our competitive rates.
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases* | Visa Platinum 8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
| Visa Rewards 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 1/1/2025 and subject to change without notice | |
| APR for Balance Transfers | Visa Platinum 8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
| Visa Rewards 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 1/1/2025 and subject to change without notice. | |
| APR for Cash Advances | Visa Platinum 8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
| Visa Rewards 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 1/1/2025 and subject to change without notice. | |
| 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 |
*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.
Credit Card Fees
| 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 |
*APR = Annual Percentage Rate
Rates based on creditworthiness. Rates range from 15.70% APR to 18.00%
Repayment terms of 3% of the outstanding balance or $50, whichever is greater.