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. And, 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 10.99% APR3, on everyday purchases.

Cut the pesky fees

Never worry about having to pay an annual fee or balance transfer fee. And, if you are traveling, there are no foreign transaction fees when making purchases outside of the United States.

Control your spending

Set up real-time transaction alerts with Card Controls 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.

Points Calculator

With the Signature Rewards Visa® Card, you earn 1.25 points for every dollar spent. Calculate your monthly point earnings based on your monthly spending below.

Monthly Rewards Points

Questions? We have answers!

Applying is super easy! You can apply online, by phone, or at any branch.

Rewards points can be redeemed for travel, merchandise, gift cards and more on CURewards.

If you do not have online access, then a CU Rewards Brochure can be mailed directly to you. You can mail the completed Redemption Form to CU Rewards Award Headquarters.

To claim a travel reward and make reservations, call toll free at (800) 900-6160 directly or redeem online at the website above


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 Banking platform. Be sure to give us a few days notice so we can set up your account appropriately.

Setup Travel Notification

Travel notifications submitted Monday through Friday before 4:00pm will be processed that day.

To report a travel notification after 4:00pm weekdays, Saturday, Sunday and Holidays, please call the following numbers directly:

  • Debit Cards: (833) 929-2135
  • Credit Cards: (866) 820-3031

Travel dates cannot exceed one (1) year. You would need to notify the credit union annually to extend travel dates.

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. 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.

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.

1 New Cardholders only. Existing Jovia Cardholders are not eligible. 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.

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 10.99% - 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.

Traveling out of the country? Please let us know to avoid any card issues while away.

Certain terms, conditions, and exclusions apply. In order for benefit coverage to apply, you must use your covered Visa Signature Elite card to secure transactions. Please refer to your guide to benefits for further details.

Rates and terms are subject to change without notice.