Jax FCU Cash Rewards Visa Credit Card

Jax FCU Cash Rewards Visa Credit Card Review

This is a rewards 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.

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 odds if your credit score is above 650.

Pros & Cons of Jax FCU Cash Rewards Visa Credit Card

The Good	The Bad
2% Cashback on all purchases Potentially 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

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

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. This card has lower than average regular APRs.

Jax FCU Cash Rewards Visa Credit Card 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.

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

Description
Cash Advance Fee Minimum	$10
Cash Advance Fee (%)	Up to 2%
Minimum Cash Advance Fee ($)	$10 - $75
Foreign Currency Transaction Fee	1%
No Annual Fee?
Annual Fee	$0
Minimum Interest Charge	$0
Over-Limit Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $25
Paper Statement Fee	$1
Additional Card Fee Amount	$20
Late Fee Amount	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 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.