InFirst Federal Credit Union Visa Rewards Card Review – 4% Back On Gas, 3% On Restaurant & Travel And More (4x Current Rewards For Black Friday – Cyber Monday)

InFirst are offering four times the current rewards points from 11/23 until 11/26. This means you earn:

  • 16 Reward Points on all gas purchases
  • 12 Reward Points on all restaurant and travel
  • 8 Reward Points on all grocery stores, superstores and wholesale clubs
  • 4 Reward Points on all other purchases

Hat tip to reader CBS

Seems like an incredible deal but getting approved in time might be difficult and you will also be restricted by your credit limit.

InFirst Federal Credit Union have a Visa rewards credit card that might be of interest to some people. The card is extremely similar (in fact basically identical) to the Citi Costco cards but without the requirement to be a Costco member. Found by reddit user batsy71.

The Basics

Let’s take a quick look at this card:

  • Card earns at the following rates:
    • 4% cash back on all gas purchases
    • 3% cash back on all restaurant and travel
    • 2% cash back on all grocery stores, superstores and wholesale clubs
    • 1% cash back on all other purchases
  • Introductory APR of 1.99% on purchases and balance transfers (no fee for balance transfers)
  • No annual fee
  • 1,500 bonus points (worth $15) after first purchase

How Much Are Points Worth?

Points are worth 1¢ each when redeeming for statement credit, although you need to redeem a minimum of 5,000 points at a time. The points earned are CU Rewards points, these can be redeemed for flights.

curewards-award-chart

You can also redeem for ‘unrestricted travel’ and basically get flights up to a set amount. Those are priced as follows:

  • 35,000 points for a $325 credit
  • 54,000 for a $525 credit
  • 75,000 for a $750 credit

None of those options make sense due to the fact that you can get 1¢ per point in statement credit. You used to be able to get over 2¢ in value by using their award chart, but they’ve put prices up significantly since then (10,000 for the cheaper flights and 41,000 for the Australia flights).

Eligiblity

There is a list of ways you might be eligible here, but for most people you’ll need to join the National Active and Retired Federal Employees (NARFE). There is a $40 fee to do so, although from my reading it looks like you still need to be a federal employee to join this organisation – not sure if this actually enforced or not. Looks like this might be a better option.

Our Verdict

This is a pretty good deal, especially if you can maximize the points for flights. Definitely one of the better cards for gas purchases and restaurants purchases.

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21 Comments
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TB
TB (@guest_862292)
December 27, 2019 17:20

Has anyone found what the travel category consists of? (flights, hotels, car rentals, etc.) No sign of it on their website, but I don’t have the card yet.

esha w
esha w (@guest_847928)
November 23, 2019 02:50

this card labels gas purchases + auto repair purchases as automotive category and gives 4x on both. so its 4x on auto repairs as well.

Jay
Jay (@guest_676393)
November 21, 2018 16:53
Charlie
Charlie (@guest_673812)
November 16, 2018 07:42

Every time I see the word groceries in a list of bonus categories, I get excited…. but gas and dining always get the real bonuses, and groceries gets 2%. For those of us who have 2% on everything cards, 2% bonus categories on cards like this one are meaningless.

Gerald
Gerald (@guest_674420)
November 17, 2018 20:08

If you want a grocery bonus in a no-fee card, there’s the Wells Fargo Visa Signature card. You get 5X on up to $12,500 in the first 6 months. Points can be used for travel at 1.5 cents per point, so it’s really 7.5% back. After six months, it’s a sock drawer card. If your spouse gets the Propel card, you can pool the 30K points from that card’s bonus and get a nice chunk of change for travel.

emergdoc67
emergdoc67 (@guest_673807)
November 16, 2018 06:17

PNC cash rewards card is 4% back on gas and 3% back on restaurants. There’s a $100 sign up bonus too. I’ve had a great time with it

Gerald
Gerald (@guest_673759)
November 16, 2018 00:25

With discounted gas gift cards, you can almost always do better than 4% back. About the only time I use a credit card for gas is when there’s a super deal like the current Amex offer for $10 back on $20 using the Exxon Mobil Speedpass app.

Frank
Frank (@guest_673755)
November 16, 2018 00:12

Oh man, this could lead to some epic stories

Harry Nguyen
Harry Nguyen (@guest_568507)
March 10, 2018 13:58

Did anybody join and got the credit card?

Matt
Matt (@guest_572014)
March 19, 2018 19:12

I was considering it, but My ThankYou Premier is close enough (3.75% gas and travel, 2.5% restaurants when used for travel), given it doesn’t give a real sign-up bonus and burns a spot for 5/24.

Harry Nguyen
Harry Nguyen (@guest_673745)
November 15, 2018 23:53

I talked to the CR and they said you have to be a resident in Virginia in order to get this card.

Mike
Mike (@guest_456629)
August 10, 2017 14:25

Anyone can join the credit union – join FAPAC for a one time fee of $10 (using promo code INFIRST), and open a savings account with the credit union with only $5. The 1500 points ($15) you earn after your first purchase negates those out-of-pocket expenses.

lawrnce
lawrnce (@guest_307413)
October 18, 2016 14:24

$15 to join plus you need a savings acct