Credit Cards | Cash Back & Low APR
Neighborhood Credit Union offers Visa credit cards designed for everyday spending, cash back rewards, and low introductory APR options. Members enjoy competitive rates, no annual fees, mobile wallet compatibility, and convenient account management through Online Banking and the MyNCU Mobile App.
Best Credit Card for Cash Back
- Earn 1.50% cash back on all of your purchases¹
- No annual fee
- Low variable interest rate between 16.50% up to 18.00%.¹
Low Intro Rate Credit Card
- Low Introductory APR for up to 6 months, then variable APR is based on your creditworthiness from 15.50% to 18.00%.²
- No annual fee
¹Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. View the Rewards Guide to Benefits Read the Visa Rewards Credit Card Disclosure.
²Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at $30.00 or 3.00% of the amount of each balance transfer, whichever is greater. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. View the Guide to Benefits and the Platinum Credit Card Disclosure.
Choose the Credit Card that's Right for You
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Card Controls on the App
Easily turn off and on, report lost, or cancel your credit card with Card Controls in Online Banking or the MyNCU Mobile App.
Why Choose a Credit Union Credit Card?
Low Variable Rates
You'll never have to worry about interest rates higher than 18.00% APR.¹
No Annual Fee
Never pay an annual fee for our credit cards!
Membership Benefits
Membership is more than just your $25 share. See all of our benefits, account perks, and lending products.
Interested in more Neighborhood CU accounts?
Click the All Products button to explore all Neighborhood CU accounts.
All Products
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| Account Type | Summary | Get Started |
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| Online Checking accounts |
Choose free checking with high yield interest or cash back, identity protection and shopping rewards, or get a second chance at banking with our Fresh Start Checking account.
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| online Savings accounts |
Prize savings, high yield savings, CDs, Christmas Club, and more. We even have an account for the kids.
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| Certificates of Deposit |
CDs with multiple rates and term length available so that you find the perfect one to fit your investment needs.
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| Vehicle Loans |
Consistently offering some of the lowest rates available for new, used, or refinancing in the DFW Metroplex.
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Apply Now |
| Personal Loans |
Consolidate bills, take a vacation, finance repairs, or put cash in your pocket.
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Apply now |
| Credit Cards |
No annual fees, no balance transfer fee, and a low rate.
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Apply Now |
| Home Loans |
Home Equity, Home Improvement, Mortgage and refinancing loans with competitive rates.
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Learn more |
| Insurance |
Everything from Dent Guard to Life Insurance.
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Learn more |
Credit Card Access through Online Banking
Securely access your Neighborhood Credit Union Visa Credit Card through Online Banking. Make payments, view your current account summary, card activity, and billing statements.
Frequently Asked Questions
Apply online for a Neighborhood Credit Union credit card in just minutes! Click here to apply for a Platinum Visa credit card or a Rewards Visa credit card.
Securely access your Neighborhood Credit Union Visa Rewards Credit Card through Online Banking. Make payments, view your current account summary, card activity, and billing statements.
If you’re not yet using our digital tools:
You should pay your credit card bill by the due date to avoid late fees and interest charges, but paying earlier can help improve your credit score and reduce interest cost.
Yes. Neighborhood Credit Union credit cards can be managed directly through the MyNCU Mobile App and Online Banking. Members can view balances and transactions, make payments, monitor activity, manage alerts, and access card control features for added security and convenience.
Additional features may include:
- Turning cards on or off
- Setting travel notices
- Monitoring recent purchases
- Managing realtime alerts
- Adding cards to mobile wallets like Apple Pay®, Google Pay™, and Samsung Pay®
You can access your credit card account anytime through Online Banking or the MyNCU Mobile App.
A debit card uses money directly from your checking account, while a credit card allows you to borrow funds up to an approved credit limit and pay them back over time.
Debit cards are commonly used for everyday purchases and ATM withdrawals using available account funds. Credit cards can help build credit history and may offer additional benefits like cash back rewards, fraud protections, and introductory interest rate offers.
Key differences include:
- Debit Cards: Pull funds directly from your bank account
- Credit Cards: Borrow against a credit limit and require monthly payments
- Credit Cards May Offer: Rewards, purchase protections, and credit-building opportunities
- Debit Cards Typically: Help with budgeting by limiting spending to available funds
Both card types can be managed through the MyNCU Mobile App and can be added to compatible mobile wallets for convenient payments.
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 96 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
