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.

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.