Posted by William Charles on November 15, 2018
Credit Cards

Published on November 15th, 2018 | by William Charles

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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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joE
joE

A hidden gem indeed, except no longer hidden 🙂

batsy
batsy

no need to be federal employee

Chuck

Worth noting that this card has another advantage over Costco, aside from the membership issue, since Costco only gets the statement credit at year’s end (which perpetuates your requirement to remain a member, btw), but with this card you can get the statement credit once you have $50.

JASON
JASON

3% on travel beats BofA Travel Rewards Credit Card’s 1.5%, even you have had 50k into BofA bank account for 3 months, the bonus you’re getting is 1.5% x 1.75=2.625%. But this card is already 3% cash back on travel expense.

4% on gas, no annual fee, $15 sign up bonus should bring this card to at least No. 4 on the gas card list. (by the way, DoC, I think you can remove Number 3. Sallie Mae Mastercard® From Barclaycard: 5-5.5% Cash Back from the gas card list as it is not available any more)

I just hate to write my SSN on paper for application submission. But I’d like to see the response from those who applies for this credit card. So, so far no DP on what credit bureau it will pull from right?

Lrdx
Lrdx

BofA Travel Rewards gives an extra 1.5% on the bank’s travel portal, for a net 4.125% back with maxed Preferred Rewards.

Steve
Steve

No its not basically identical to the Costco card.

Rob
Rob

does it have the warranty beneift as with the costco card?

lawrnce
lawrnce

$15 to join plus you need a savings acct

Mike
Mike

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.

Harry Nguyen
Harry Nguyen

Did anybody join and got the credit card?

Matt
Matt

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

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

Frank

Oh man, this could lead to some epic stories

Gerald
Gerald

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.

emergdoc67
emergdoc67

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

Charlie
Charlie

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

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.

Jay
Jay
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