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  Jax FCU Cash Rewards Visa Credit Card

Jax FCU Cash Rewards Visa Credit Card

in Personal Credit Cards from Jax Federal Credit Union

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Jax FCU Cash Rewards Visa Credit Card

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in Personal Credit Cards from Jax Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.9% - 18%
Balance Transfer APR  (Variable APR) 9.9% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Jax FCU Cash Rewards Visa Credit Card Review

This is a rewards credit card issued by Jax Federal Credit Union. If you're wondering whether Jax FCU Cash Rewards Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Jax FCU Cash Rewards Visa Credit Card has a variable purchase APR that ranges from 9.9% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. Jax FCU Cash Rewards Visa Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Jax FCU Cash Rewards Visa Credit Card
The Good The Bad
  • 2% Cashback on all purchases
  • Lower than average purchase APRs.
  • No annual fee.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Jax FCU Cash Rewards Visa Credit Card is accepted.
  • Jax FCU Cash Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
Jax FCU Cash Rewards Visa Credit Card FAQ

Does Jax FCU Cash Rewards Visa Credit Card have a cash back or rewards program?

Jax FCU Cash Rewards Visa Credit Card is a rewards card.

Jax FCU Cash Rewards Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Jax FCU Cash Rewards Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Jax FCU Cash Rewards Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Jax FCU Cash Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Jax FCU Cash Rewards Visa Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 9.9% up to 18%. The card has a variable balance transfer APR that ranges from 9.9% up to 18%. It also has a variable cash advance APR that ranges from 9.9% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Jax FCU Cash Rewards Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Jax FCU Cash Rewards Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Jax FCU Cash Rewards Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Jax FCU Cash Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Jax FCU Cash Rewards Visa Credit Card have a foreign transaction fee?

Jax FCU Cash Rewards Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Jax FCU Cash Rewards Visa Credit Card?

The Jax FCU Cash Rewards Visa Credit Card customer service number is (800) 443-2664.

Does Jax FCU Cash Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, Jax FCU Cash Rewards Visa Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Jax FCU Cash Rewards Visa Credit Card

  • Visit the Jax FCU Cash Rewards Visa Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 1:00pm

About Jax FCU Cash Rewards Visa Credit Card

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View all personal credit cards offered by Jax Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 3% Cash Back on groceries and gas during your first 90 days. 2% Cashback on all purchases
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) $10 - $75
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $1
Additional Card Fee Amount $20
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 9.9% - 18%
Balance Computation a method called "average daily balance (including new purchases)."
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 9.9% - 18%
Balance Transfer APR (Variable APR) 9.9% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%
Card Type
  • Rewards
Card Network Visa

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