Last Updated: 07/28/2025
Jovia Financial CU Visa Signature Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.24% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.24% - 17.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Jovia Financial CU Visa Signature Credit Card Review
This is a cashback credit card issued by Jovia Financial Credit Union. If you're wondering whether Jovia Financial CU Visa Signature Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Jovia Financial CU Visa Signature Credit Card has a variable regular purchase APR that ranges from 15.24% 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 you have a fair credit score or better.
Pros & Cons of Jovia Financial CU Visa Signature Credit Card
| The Good | The Bad |
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Jovia Financial CU Visa Signature Credit Card FAQ
Does Jovia Financial CU Visa Signature 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.
| Description |
Does Jovia Financial CU Visa Signature Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Jovia Financial CU Visa Signature Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Jovia Financial CU Visa Signature Credit Card benefits?
Jovia Financial CU Visa Signature Credit Card 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 CU Visa Signature Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Jovia Financial CU Visa Signature Credit Card has a variable purchase APR that ranges from 15.24% up to 17.99%. The card has a variable balance transfer APR that ranges from 15.24% up to 17.99%. It also has a variable cash advance APR that ranges from 15.24% up to 17.99%.
Does Jovia Financial CU Visa Signature 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 CU Visa Signature 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 CU Visa Signature Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 CU Visa Signature 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 customer service phone number for Jovia Financial CU Visa Signature Credit Card?
The customer service number for Jovia Financial CU Visa Signature Credit Card is (516) 561-0030.
What is the support contact email for Jovia Financial CU Visa Signature Credit Card?
The support contact email for Jovia Financial CU Visa Signature Credit Card is info@joviafinancial.com.
What is the login page for Jovia Financial CU Visa Signature Credit Card?
You can access the login page of Jovia Financial CU Visa Signature Credit Card here.
How do people rate the customer service and user experience of Jovia Financial CU Visa Signature Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Jovia Financial CU Visa Signature Credit Card report your account activity to credit bureaus?
Yes, Jovia Financial CU Visa Signature Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Jovia Financial Credit Union perform a hard credit pull?
Yes, Jovia Financial CU Visa Signature Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Jovia Financial CU Visa Signature Credit Card
- Visit the website of Jovia Financial CU Visa Signature Credit Card.
- 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.
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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.
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