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NEFCU VISA® Explorer Rewards Card

BestCards Team

| Last updated on October 23rd, 2023

NEFCU VISA® Explorer Rewards Card

NEFCU VISA® Explorer Rewards Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

NEFCU VISA® Explorer Rewards Card

  • 12.5% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 12.5% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 12.5% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The NEFCU VISA® Explorer Rewards Card is a no-nonsense rewards credit card from New England Federal Credit Union (NEFCU). The card earns 1 point for every dollar spent on purchases with the card – worth 1% cashback. There are no minimums when it comes to redeeming your rewards, nor is there any cap on the number of points you can earn. Beyond the rewards, the NEFCU VISA® Explorer Rewards Card benefits from highly competitive APR, no annual fees, no hidden fees, and Visa benefits and perks.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 1 point for every dollar spent
  • No annual fee
  • No hidden fees
  • Regular Purchase APR: 12.5% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.5% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 12.5% to 18.00% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. Dollars
  • Late Payment Penalty Fee: Up to $20
  • You already bank with New England Federal Credit Union
  • You want to earn basic rewards for everyday purchases
  • You don’t want to pay annual fees
  • You don’t want to pay any additional fees
NEFCU VISA® Explorer Rewards Card

NEFCU VISA® Explorer Rewards Card

Terms & Conditions

NEFCU VISA® Explorer Rewards Card Review

The NEFCU VISA® Explorer Rewards Card is a straightforward and no hassle rewards credit card from New England Federal Credit Union. Like the rewards-free NEFCU VISA® Explorer, the Explorer Rewards Card offers no hidden fees, no annual fees, and a host of Visa cardholder benefits and perks.

The NEFCU VISA® Explorer Rewards Card is designed especially for those who like to regularly use their credit card and prefer to pay their balance in full each month. Cardholders can expect to earn one bonus point for every dollar they spend on purchases with the card – points which are equivalent to 1% cashback. Points earned through the card are redeemable at any point, with no minimums; 1,000 points, for instance, is good for $10.

Should You Apply for the NEFCU VISA® Explorer Rewards Card?

While the NEFCU VISA® Explorer Rewards Card offers a simple rewards plan, the card is far more than just a straightforward cashback credit card. Cardholders can also expect a highly competitive typical APR for purchases, balance transfers, and cash advances, which, while higher than the interest rate with the basic Explorer Card, is extremely competitive with other similar credit card products from larger lenders. Those with excellent credit can expect a typical APR of around 13.5%, though the exact rate may vary depending upon creditworthiness and the Prime Rate.

What makes a credit union credit card such an enticing option compared to a card from a bigger lender, such as Chase or Bank of America, is the lack of hidden fees. The NEFCU VISA® Explorer Rewards Card benefits from no fees for balance transfers, cash advances, or annual fees – something common with other cards.

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