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Northline Financial credit cards

Best known for long 0% intro APR windows on balance transfers plus a grocery-heavy cash back card.

Cards tracked
2
APR range
18.49%–29.99%
Annual fees
$0
Headquarters
Minneapolis, MN

Card categories

Balance transfer

Up to 21 months of 0% intro APR on qualifying transfers.

Everyday cash back

5% grocery earning up to an annual cap.

Rewards, APRs and fees at a glance

CardRewardsIntro offerAPR rangeAnnual feeTransfer fee
Northline Zero Balance TransferNo rewards program — built purely for interest savings0% APR for 21 mo18.49%–28.49% variable$03% (min $5) on transfers in first 120 days
Northline Market 5%5% at grocery stores (on up to $6,000/yr), 3% online, 1% everywhere else$250 est. value after $1,500 in 3 mo19.99%–29.99% variable$05% (min $5)

Pros

  • Longest intro APR window we track
  • No annual fees across the lineup
  • Free credit score tools

Cons

  • Balance transfer card earns no rewards
  • Grocery bonus is capped at $6,000 per year

All Northline Financial cards

Northline Financial
Northline Zero Balance Transfer
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Balance transfer

Northline Zero Balance Transfer

A long runway to clear a balance without interest piling on.

Purchase APR
18.49%–28.49% variable
Annual fee
$0
Balance transfer fee
3% (min $5) on transfers in first 120 days
Foreign transaction fee
3%
Rewards
No rewards program — built purely for interest savings

Intro APR: 0% for 21 months on balance transfers, 12 months on purchases, then 18.49%–28.49% variable.

  • 21 months of 0% intro APR on transfers
  • No annual fee
  • Free monthly credit score
  • No rewards
  • Transfer must post within 120 days
  • 3% transfer fee applies
Compare this cardAbout Northline Financial

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Northline Financial
Northline Market 5%
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Cash backRewards

Northline Market 5%

Grocery-forward cash back for households that cook.

Purchase APR
19.99%–29.99% variable
Annual fee
$0
Balance transfer fee
5% (min $5)
Foreign transaction fee
3%
Rewards
5% at grocery stores (on up to $6,000/yr), 3% online, 1% everywhere else

Intro offer: $250 statement credit after qualifying spend — estimated value $250, requires $1,500 in spend within 3 months.

Intro APR: 0% for 12 months on purchases, then 19.99%–29.99% variable.

  • Strong 5% grocery rate
  • No annual fee
  • 3% online shopping rate
  • $6,000 annual grocery cap
  • No travel protections
  • Foreign transaction fee
Compare this cardAbout Northline Financial

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Illustrative cards & advertiser disclosure. LendingHookup is a comparison experience. The cards, issuers, rates and offers currently shown are illustrative examples, not live offers. We may receive compensation if affiliate offers are added. Rewards and intro values are estimates; required spend, annual fees, transfer fees and variable APRs apply. Approval is not guaranteed. Review the issuer’s current terms before applying.

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