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  Jovia Financial Credit Union Visa Signature Elite Credit Card

Jovia Financial Credit Union Visa Signature Elite Credit Card

in Personal Credit Cards from Jovia Financial Credit Union

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Jovia Financial Credit Union Visa Signature Elite Credit Card

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in Personal Credit Cards from Jovia Financial Credit Union

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Highlights
Purchase APR  (Variable APR) 11.74% - 17.99%
Balance Transfer APR  (Variable APR) 11.74% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0

Jovia Financial Credit Union Visa Signature Elite Credit Card Review

This is a cashback credit card issued by Jovia Financial Credit Union. If you're wondering whether Jovia Financial Credit Union Visa Signature Elite 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
  • Signup bonus. Offers a signup bonus of 20000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Jovia Financial Credit Union Visa Signature Elite Credit Card has a variable purchase APR that ranges from 11.74% up to 17.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 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 650.
Pros & Cons of Jovia Financial Credit Union Visa Signature Elite Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Jovia Financial Credit Union Visa Signature Elite Credit Card is accepted.
  • Jovia Financial Credit Union Visa Signature Elite Credit Card reports to multiple credit bureaus.
Jovia Financial Credit Union Visa Signature Elite Credit Card FAQ

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

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.25% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $12.5 back in cash.

Jovia Financial Credit Union Visa Signature Elite Credit Card Rewards
Minimum rewards rate 1.25x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months

Does Jovia Financial Credit Union Visa Signature Elite Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does Jovia Financial Credit Union Visa Signature Elite Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Jovia Financial Credit Union Visa Signature Elite Credit Card benefits?

It provides the following benefits:

  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Reports to major credit bureaus

What are the relevant APRs for Jovia Financial Credit Union Visa Signature Elite 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 Signature Elite Credit Card has a variable purchase APR that ranges from 11.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 11.74% up to 17.99%. It also has a variable cash advance APR that ranges from 11.74% up to 17.99%.

Does Jovia Financial Credit Union Visa Signature Elite Credit Card have an intro APR offer on balance transfers?

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

Does Jovia Financial Credit Union Visa Signature Elite 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 Jovia Financial Credit Union Visa Signature Elite Credit Card?

The following fees apply:

  • There is no overlimit fee
Jovia Financial Credit Union Visa Signature Elite 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 cashback card.

Does Jovia Financial Credit Union Visa Signature Elite Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for Jovia Financial Credit Union Visa Signature Elite Credit Card?

The support contact email for Jovia Financial Credit Union Visa Signature Elite Credit Card is info@joviafinancial.com.

How do people rate the customer service and user experience of Jovia Financial Credit Union Visa Signature Elite Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Jovia Financial Credit Union Visa Signature Elite 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 Signature Elite Credit Card

  • Visit the Jovia Financial Credit Union Visa Signature Elite 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 - 6:00pm
  • Friday 9:00am - 7:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Jovia Financial Credit Union

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Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 2%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $25
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
  • Price Protection
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) 11.74% - 17.99%
Balance Computation "average daily balance" excluding new purchases).
Purchase APR (Variable APR) 11.74% - 17.99%
Balance Transfer APR (Variable APR) 11.74% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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