Jovia Financial Credit Union Visa Advantage Credit Card

Jovia Financial Credit Union Visa Advantage Credit Card Review

This is a card issued by Jovia Financial Credit Union. If you're wondering whether Jovia Financial Credit Union Visa Advantage Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Jovia Financial Credit Union Visa Advantage Credit Card has a variable purchase APR that ranges from 12.24% up to 17.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Jovia Financial Credit Union Visa Advantage Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee. No annual fee. Considers applicants with fair credit. No foreign transaction fee. Jovia Financial Credit Union Visa Advantage Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Jovia Financial Credit Union Visa Advantage Credit Card FAQ

Does Jovia Financial Credit Union Visa Advantage Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Jovia Financial Credit Union Visa Advantage Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Jovia Financial Credit Union Visa Advantage 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.

Jovia Financial Credit Union Visa Advantage Credit Card has a variable purchase APR that ranges from 12.24% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.24% up to 17.99%. It also has a variable cash advance APR that ranges from 12.24% up to 17.99%.

What are the fees for Jovia Financial Credit Union Visa Advantage Credit Card?

The following fees apply:

• There is no overlimit fee

Jovia Financial Credit Union Visa Advantage Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
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 card.

Does Jovia Financial Credit Union Visa Advantage Credit Card report your account activity to credit bureaus?

Yes, Jovia Financial Credit Union Visa Advantage 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 Jovia Financial Credit Union Visa Advantage Credit Card

• Visit the Jovia Financial Credit Union Visa Advantage 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.