Credit Cards
Charge more and pay less
Credit cards can help you do the things you want to do or get you to the places you want to be because they add flexibility to your financial situation without compromising on security.
Our credit card options include a low-interest card for making everyday purchases, consolidating debt, and carrying a balance, or, a signature rewards card for those looking to earn points for spending which can be redeemed for travel, gifts, or cash back.2
With both of our cards, you can tap to pay for quick contactless transactions, use mobile wallets to easily access your card, and use our card management system to set spending limits, alerts, and more.
Compare Credit Cards |
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| Visa® Advantage | Visa® Signature Elite | |
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Charge more and pay less on purchases and balance transfers with a low rate. |
Earn 1.25 points for every dollar spent to redeem for travel, merchandise, gift cards, and cash.2 |
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| Apply now | Apply now | |
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Introductory Offer |
Introductory Offer |
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1.85% APR1 on purchases and balance transfers for the first 12 months. |
Spend $2,000 during the first three months to earn 20,000 bonus points. And, for a limited time, you'll earn a $85 rebate when you spend more than $5k within the first 90-days of receiving your card!* |
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Good For |
Good For |
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Those just starting out and looking to build credit; or individuals looking to consolidate debt from a high-rate, non-Jovia credit card. |
Those who pay their balances off each month; or individuals looking to earn points and rewards from everyday card use. |
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Purchase APR |
Purchase APR |
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1.85% for the first 12 months1 Then 13.24% - 17.99% APR |
16.24% - 17.99% APR3 |
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Balance Transfer Fee |
Balance Transfer Fee |
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1.00% |
1.00% |
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Balance Transfer APR |
Balance Transfer APR |
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1.85% for the first 12 months1 Then 13.24% - 17.99% APR |
16.24% - 17.99% APR3 |
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Foreign Transaction Fee |
Foreign Transaction Fee |
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None |
None |
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Annual Fee |
Annual Fee |
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None |
None |
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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.
2 Points 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.
3 APR = Annual Percentage Rate. Rates are based on an applicant's credit history. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Rates range from 16.24% - 17.99% APR. The rate and credit line you are issued is based on your credit history. Not all applicants may be approved. Subject to the Visa Signature Elite Terms and Conditions. Please refer to the Visa Signature Elite Benefits for the full details of your benefits program. Approved applicants with a credit limit of less than $5,000 will receive a Visa Advantage card. Transaction Fees for Visa Signature Elite include 2% of the transaction amount for cash advances. No reward points will be earned for cash advances, including balance transfers and convenience checks.
* 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.
New Cardholders only. Existing Jovia Cardholders are not eligible. Rates and terms are subject to change without notice.