Visa® Signature Elite Credit Card
Earn as you spend
Use your credit card a lot? Why not earn some extra credit as you spend! With the Visa® Signature Elite Credit Card, you can earn points wherever you use your card and redeem them for cash back, travel, gift cards, and more.
Benefits of building credit with Jovia

Earn points
Earn 1.25 points for every $1 you spend with your Visa Signature Elite card. Get an additional 20,000 points if you spend $2,000 within the first three months of receiving your card. 1
Redeem rewards
Redeem your Visa Signature Elite reward points to book travel, purchase merchandise, get gift cards to your favorite stores, or use your points like cash to help pay down your card's balance or deposit into your Jovia account.2
Pay less interest
Enjoy a competitively low rate compared to other travel and cash back cards, as low as 15.24% APR3, on everyday purchases.
Cut the pesky fees
Never worry about having to pay an annual fee. And, if you are traveling, there are no foreign transaction fees when making purchases outside of the United States.
Set up card preferences
Set up real-time transaction alerts in our card management system and receive push notifications whenever a new purchase is made using your Visa Signature Elite card. You can also lock and unlock your card at any time to prevent fraud if your card is lost or stolen.
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!
Every time you use your Jovia Visa® rewards card and sign for your transactions, you'll earn points! Redeem your points for cash back, gift cards, travel rewards, and more within online and mobile banking. Here’s how:
Mobile Banking:
Log into the Jovia Mobile app and tap the “More” button the bottom menu. Navigate to the “Debit & Credit Cards” Section and click the “Debit & Credit Cards” button. Select your credit card by swiping right if needed and click “Rewards”.
Online Banking:
Log into Jovia's online banking. Navigate to the “Debit and Credit Cards” button on the menu bar. Select your credit card with “Switch or Add Card” dropdown if needed and click “Rewards” on the left menu.
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.
At this time, only our Signature Elite Visa® Credit Card offers travel cancellation protection.
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.