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

Visa® Advantage
Visa® Signature Elite

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

Introductory Offer

Introductory Offer

1.99% APR1on purchases and balance transfers for the first 12 months.

Spend $2,000 during the first three months to earn 20,000 bonus points!3

Good For

Good For

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.

Purchase APR

Purchase APR

1.99% for the first 12 months1

Then 10.99% - 17.99% APR

13.99% - 17.99% APR3

Balance Transfer Fee

Balance Transfer Fee

None

None

Balance Transfer APR

Balance Transfer APR

1.99% for the first 12 months1

Then 10.99% - 17.99% APR

13.99% - 17.99% APR3

Foreign Transaction Fee

Foreign Transaction Fee

None

None

Annual Fee

Annual Fee

None

None

1 APR = Annual Percentage Rate. The stated promotional rate of 1.99% 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 10.99% - 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 13.99% - 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.