Northstar Cards
A card for wherever you are in life.
Earn on what you already buy, carry zero-liability protection, and freeze the whole thing with one tap. Whether you're racking up rewards or building credit for the first time, there's a card here for you.
5280 •••• •••• 4821
NORTHSTAR EVERYDAY
No annual fee
Northstar Everyday
2% back on everything
5280 •••• •••• 4821
NORTHSTAR REWARDS+
Premium rewards
Northstar Rewards+
3% on dining & travel
5280 •••• •••• 4821
NORTHSTAR SECURED
Build credit
Northstar Secured
Start with confidence
Compare the lineup
| Feature | Everyday | Rewards+ | Secured |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Rewards rate | 2% on everything | 3% dining & travel, 1.5% else | 1% on everything |
| Welcome bonus | $150 after $1,000 spend | $300 after $3,000 spend | — |
| Foreign transaction fee | None | None | None |
| Credit needed | Good | Excellent | Building / none |
Designed to feel good in hand
Premium isn't just a word on the box.
A clean matte finish, no clutter, and controls that actually live in your account. Lost your card at the gym? Freeze it before you've even left the parking lot, and unfreeze it when it turns up in your gym bag.
- Freeze and unfreeze in a single tap
- Set spending limits and category locks
- Zero-liability on unauthorized charges
Rewards that add up
Earn on everyday spending and cash it out as a statement credit or transfer.
Freeze in a tap
Misplaced your card? Lock it instantly and unlock it the second it reappears.
Zero-liability protection
You're never on the hook for charges you didn't make.
No foreign fees
Spend abroad at the real exchange rate, without the surprise add-ons.
Fair, clear rates
Flexible terms with rates spelled out up front — no decoder ring required.
Controls that live with you
Limits, category locks, and freezes, all from your account.
Good questions, straight answers
Which card should I pick?+
Everyday for simple 2% back, Rewards+ if you spend on dining and travel, or Secured if you're building credit from scratch.
Do any of them have an annual fee?+
No. Every card in the lineup is $0 annual fee.
Can I really freeze my card instantly?+
Yes — one tap in your account freezes it immediately, and another unfreezes it. No phone calls.
Will applying hurt my credit?+
We keep the checkout light; we'll always tell you before anything that could affect your score.
