A credit card should work as hard as you do. This September, find the right card for how you spend, then swipe your way to a chance at $250.1
No matter which card you choose, you'll get the same solid foundation.
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4.99% introductory APR2 for 6 months (as low as 14.49% APR after the introductory period)
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No annual fee, zero liability for unauthorized purchases, plus fraud alerts
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Free credit score and easy online account management
Low Rate
Less interest. More flexibility.
Keep your costs down with one of our lowest ongoing rates.
- Low ongoing rate after the intro period
- Great for carrying a balance responsibly
Cash Back
Every purchase pays you back.
Earn cash back on everyday spending.
- Earn on groceries, gas, and more
- Cash back with no complicated redemption
Rewards
Turn spending into something more.
Collect points on purchases and redeem for travel, merchandise, or more.
- Points on every purchase
- Redeem your way
Still Not Sure Which Card Is Right for You?
See all our card designs, compare all 3 cards side by side, and take our quick quiz to find your best match.
Already carrying a balance? Use our Credit Card Repayment Calculator to see what it will take to pay it off and how you can meet your repayment goals.
The NGFCU Difference
As a member-owned financial institution, we're focused on helping you succeed, not maximizing profits.
✓ Competitive rates
✓ Fewer fees
✓ Personalized service
✓ Built for members
When you succeed, we all succeed.
Enter to Win a $250 Deposit
Open a new NGFCU credit card and spend $100 or more during September, and you'll be automatically entered for a chance to win.
- Grab your morning coffee
- Fill up your tank
- Cover your groceries
- Book something fun
- Handle a bill or two
Ready to Take the Next Step?
Whether you want a lower rate, cash back, or rewards, we have a card for you.
Apply today, call 800.633.2848 ext. 3980, or email LoanOfficers@ngfcu.us
1 Limited to one entry per person. Sweepstakes begins 09/01/2026 at 8:00 am ET and ends 09/30/2026 at 11:59 pm PT. Open to Northrop Grumman Federal Credit Union account holders 18 years of age or older at the time of entry. Prize is one (1) $250.00 deposit into NGFCU Savings Account. Odds of winning depend on the total number of entries received. Winner is selected by random drawing. This sweepstakes is sponsored by Northrop Grumman Federal Credit Union. Official Rules Terms and Conditions
2 APR = Annual Percentage Rate. Rate ranges vary by product. Rates are variable and may change after account opening. Introductory rate valid on purchases made in first six months of the loan (card issue). The introductory rate will be effective for the first six statement periods. At the end of the sixth statement period, the rate on the purchases balance will change to the then-current purchase APR currently from 14.49% APR to 18.00% APR. Introductory rate does not apply to cash advances or balance transfers. Introductory rate may be revoked if account becomes 60 days past due at which time a penalty rate between 14.49% and 18.00% APR will apply. Rates, terms and eligibility vary and are based on creditworthiness at time of application.