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 any 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 | Credit Boost Secured Visa® Advantage |
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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 |
Give your credit a boost with a secured card that helps establish and improve credit. |
| Apply now | Apply now | Apply Now |
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Introductory Offer |
Introductory Offer |
Introductory Offer |
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2.99% APR1 for 12 months on purchases and balance transfers made within the first 60 days of account opening. |
Spend $2,000 during the first three months to earn 20,000 bonus points.* |
N/A |
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Good For |
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. |
Those just starting out and individuals looking to establish or improve credit. |
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Purchase APR |
Purchase APR |
Purchase APR |
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2.99% for the first 12 months on purchases made within the first 60 days.1 Then 12.24% - 17.99% APR |
15.24% - 17.99% APR3 |
17.99% APR4 |
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Balance Transfer Fee |
Balance Transfer Fee |
Balance Transfer Fee |
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None |
None |
None |
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Balance Transfer APR |
Balance Transfer APR |
Balance Transfer APR |
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2.99% for the first 12 months on balance transfers made within the first 60 days.1 Then 12.24% - 17.99% APR |
15.24% - 17.99% APR3 |
17.99% APR4 |
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Foreign Transaction Fee |
Foreign Transaction Fee |
Foreign Transaction Fee |
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None |
None |
None |
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Annual Fee |
Annual Fee |
Annual Fee |
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None |
None |
None |
1APR = Annual Percentage Rate. The stated promotional rate of 2.99% APR is valid for 12 months on purchases and balances transfers made within the first 60 days from account opening. Promotional period will begin the date the account is opened, and will end 60 days after account opening. Balance transfers must post to your card by the end of the promotional period. After the 60th calendar day, the cardholder's APR will default to the cards non-promotional APR ranging from 12.24% - 17.99% for purchases and balance transfers. 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. Offers do not apply to Business Cards. Existing Jovia Financial Credit Union Cardholders are not eligible, existing cardholder purchases and 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. Rates and terms are subject to change without notice.
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.
3APR = 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 15.24% - 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.
4APR=Annual Percentage Rate. The Credit Boost Visa Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to an unsecured Visa Advantage unless they choose to opt out. If the member does not opt-out conversion will be automatic, and the secured funds will be released. Refer to Credit Boost Visa Advantage Card Terms and Conditions for account details. Transaction fees 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.