Visa® Advantage Credit Card
Low rates for everyday purchases
If you carry a balance and prefer to use your credit card for everyday purchases, our low-rate Visa® Advantage Credit Card is the perfect card for you! With a low introductory rate on purchases and balance transfers, you can lower your monthly payments and consolidate debt. Set your card preferences in our card management system, and you can control your spending with ease.
Benefits of building credit with Jovia

Pay less interest
Enjoy a low introductory rate, as low as 2.99% APR1 for the first 12 months on purchases and balance transfers made within the first 60 days of account opening. Then, enjoy a competitively low rate when that introductory period ends.
Cut the pesky fees
Never worry about paying an annual fee with your Visa Advantage credit card. And, if you're traveling, there are no foreign transaction fees either when making purchases outside of the United States.2
Set up card preferences
Set up real-time transaction alerts and receive push notifications whenever you make a purchase using your Visa Advantage credit card. You can also lock and unlock your card using our card management system at any time to prevent fraud if your card is lost or stolen.
Make contactless payments
Add your Visa® Advantage Card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay to make secure payments online and in-stores.
Tap to Pay with your Jovia Credit Card
Contactless cards are smart cards! They come with a small chip embedded inside them so the card can communicate with a contactless terminal when held near or tapped against the card reader during a transaction. Each contactless payment generates a transaction-specific, one-time code that protects your payment information, effectively reducing counterfeit fraud. So, it's convenient and secure.
It's easy
Simply tap your card within a few inches of the Contactless Symbol and let your new contactless Jovia Credit Card work its magic.
It's fast
With contactless cards, your transaction takes seconds! No more fumbling at checkout to insert your card or find cash.
It's secure
Each contactless transaction has a unique encrypted code, helping to protect against fraud and keeping your information safe. Plus, since your card never leaves your hand, there's less of a chance it will be lost or forgotten.

Follow these easy steps to help get you started with your contactless card
This is a carousel with rotating slides. Use Next and Previous buttons to navigate, or use the slide dots to rotate and go to the next/previous slides.

Look
Look for the Contactless Symbol on the card terminal at checkout.

Tap
When prompted, simply tap or hold your card a few inches from the Contactless Symbol.

Go
Your payment processes in seconds. A checkmark or green light means you're good to go!
Questions? We have answers!
Transferring balances from other credit cards to your lower-rate Visa® Credit Card is a great idea and can save you money in the long run! The easiest way to transfer balances to your Visa® Credit Card is through Online Banking - it's quick and easy!
- On the “Accounts Overview” page, click on the credit card account
- Click on “Menu”
- Under the “Manage Card” section, click on “Balance Transfer”
On the “Balance Transfer” screen, you will need the name of the financial institution you would like to transfer balances from, their payment address, and the account number you're transferring balances from.
If you'd prefer, you can also transfer your balances over the phone by calling our Visa® Member Service Center at (800) 252-1164 or with our Call Center at (516) 561-0030. If you're near a branch, you can also transfer balances with a member service representative at one of our conveniently located branches throughout Nassau and Suffolk counties.
Yes, you can! Our Visa® Credit and Debit cards can be used internationally anywhere Visa® is accepted. Just be sure to submit a travel notification prior to your trip.
Place your travel notifications within our Online and Mobile Banking platforms.
Sign in to Online or Mobile Banking and click “Debit & Credit Cards.” In the “Manage Card” section, click on “Manage Travel Plans.” Click on the plus sign next to “Add Travel Plan.” You will receive a security token to continue. Add your destinations and travel dates. You can add up to 2 travel plans, not to exceed 90 days.
We take our member's security very seriously. If you feel there was an unauthorized transaction on your account, we are committed to investigating your claim.
Debit or Credit Card (DBT/POS) transaction
Many times disputes can be resolved quickly by contacting the merchant directly. If you are unable to resolve the dispute with the merchant, you can file your dispute with us.
- Debit Cards: Please complete the Visa® Charge Dispute Form and submit it electronically. Any additional information such as receipts that may assist in resolving the dispute, should be indicated on the form. Disputes can take up to 60 days to resolve.
- Credit Cards: Please call us at (800) 252-1164 to dispute a credit card transaction.
Unauthorized Withdrawal (ACH/non-debit or credit)
If you are on an account with another individual, consult with them first to verify that he/she did not authorize the withdrawal. If the withdrawal was not authorized by any of the account owners, please complete an Unauthorized Withdrawal Form.
If the fraudulent transaction involved a check, a police report is required along with a Fraudulent Check Form. Documents should be forwarded to the Sharedraft Administrator in Deposit Operations for further processing.
Documents must be received with 60 days of the item being presented to the account to receive provisional credit.
Do you have a nickname or shortname you go by that you would prefer to have on your debit or credit card? At Jovia, you can! Just complete this form and we will order you a new card with your preferred name on it.
Preferred Name Card Agreement Form
Please note: Jovia is not responsible for merchant declinations because of the use of a preferred name.