Jovia Visa Credit Cards

Brighten the holiday season with a card that's just right!

The holiday season and shopping are near, but have no fear! Jovia has credit card options that are sure to add some cheer!

Looking to build or repair your credit? With our Visa Advantage® card, you can enjoy a low introductory rate, as low as 1.85% APR1 on purchases and 1% balance transfers for the first 12 months. Woohoo!

Already have established credit and want a card with rewards2? With Jovia's Visa Signature Elite® card, you can earn 1.25 points for every $1 you spend. Get an additional 20,000 points if you spend $2,000 within the first three months of receiving your card. And, for a limited time, you'll earn an $85 rebate when you spend more than $5k within the first 90 days of receiving your card*. Learn more about Jovia's Visa credit card options.

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1APR = Annual Percentage Rate. The stated promotional rate of 1.85% APR is valid for 12 months for purchases and balance transfers from the date of account opening. Use of your card for purchases and balance transfers constitutes your agreement to the stated terms, as well as your account terms as a Visa® cardholder. Balance transfers must post to your card by the end of the promotional period. After the promotional period, the cardholder's APR will default to the cards non-promotional APR ranging from 13.24% - 17.99%. Offers do not apply to Business Cards. Existing Jovia Financial Credit Union balance transfers are subject to the standard account rate. Not all applicants may be approved. Refer to Visa Advantage Terms and Conditions for account details. Transactions fees for Visa® Advantage include 3% of the transaction amount for cash advances.

* New Cardholders only. Existing Jovia Cardholders are not eligible. Rates and terms are subject to change without notice. $85 rebate will be issued to new credit card accounts opened between August 1, 2023 through December 31, 2023 with net purchases (less returns) of $5,000 or more during the promotional period. Limit one rebate per credit card. Cash advances (including the purchase of cash equivalent products such as but not limited to: travelers checks, prepaid gift cards and money orders, or wire transfers), balance transfers, fees and finance charges do not qualify towards the rebate. Your rebate will be issued in the form of a statement credit, and will be posted no later than 6-8 weeks after promotional period ends. All promotional offers can be withdrawn at any time and are subject to change without notice.

2Points to cash option allow members to use points to make a Jovia Visa Signature Elite Credit Card payment or a cash deposit to their Jovia accounts. $25 minimum per conversion.

Certain terms, conditions, and exclusions apply. In order for benefit coverage to apply, you must use your covered Visa Signature Elite card to secure transactions. Please refer to your guide to benefits for further details.

Rates and terms are subject to change without notice.