SuperMoney
  Justice Federal Credit Union VISA Platinum Rewards Credit Card

Justice Federal Credit Union VISA Platinum Rewards Credit Card

in Personal Credit Cards from Justice Federal Credit Union

Unaffiliated

Justice Federal Credit Union VISA Platinum Rewards Credit Card

Unaffiliated

in Personal Credit Cards from Justice Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Justice Federal Credit Union VISA Platinum Rewards Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Fixed APR) 11.9%
Balance Transfer APR  (Fixed APR) 11.9%
Credit Score Range 600 - 850
Annual Fee $0

Justice Federal Credit Union VISA Platinum Rewards Credit Card Review

This is a rewards credit card issued by Justice Federal Credit Union. If you're wondering whether Justice Federal Credit Union VISA Platinum Rewards 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Justice Federal Credit Union VISA Platinum Rewards Credit Card has a fixed purchase APR of 11.9%
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 180 days of opening the account. After the introductory period, the fee is 0%.
  • 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 600.
Pros & Cons of Justice Federal Credit Union VISA Platinum Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee, if you transfer the balance within 180 days. After the intro period, the fee is 0% with a minimum of $0.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Justice Federal Credit Union VISA Platinum Rewards Credit Card is accepted.
  • Justice Federal Credit Union VISA Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Justice Federal Credit Union VISA Platinum Rewards Credit Card FAQ

Does Justice Federal Credit Union VISA Platinum Rewards Credit Card have a cash back or rewards program?

Justice Federal Credit Union VISA Platinum Rewards Credit Card is a rewards card.

Justice Federal Credit Union VISA Platinum Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Justice Federal Credit Union VISA Platinum Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Justice Federal Credit Union VISA Platinum Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Justice Federal Credit Union VISA Platinum Rewards Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Reports to major credit bureaus

What are the relevant APRs for Justice Federal Credit Union VISA Platinum Rewards 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 fixed purchase APR of 11.9%. The card has a fixed balance transfer APR of 11.9% . It also has a fixed cash advance APR of 11.9% .

Does Justice Federal Credit Union VISA Platinum Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Justice Federal Credit Union VISA Platinum Rewards Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 180 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 11.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Justice Federal Credit Union VISA Platinum Rewards Credit Card have an intro APR offer on new purchases?

Justice Federal Credit Union VISA Platinum Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Justice Federal Credit Union VISA Platinum Rewards Credit Card?

The following fees apply:

Justice Federal Credit Union VISA Platinum Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Initial Program Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $27
Late Payment Fee up to $27

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

Does Justice Federal Credit Union VISA Platinum Rewards Credit Card have a foreign transaction fee?

Justice Federal Credit Union VISA Platinum Rewards 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 Justice Federal Credit Union VISA Platinum Rewards Credit Card?

The Justice Federal Credit Union VISA Platinum Rewards Credit Card customer service number is (800) 550-5328.

What is the support contact email for Justice Federal Credit Union VISA Platinum Rewards Credit Card?

The support contact email for Justice Federal Credit Union VISA Platinum Rewards Credit Card is jfcu@jfcu.org.

Does Justice Federal Credit Union VISA Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, Justice Federal Credit Union VISA Platinum Rewards 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 Justice Federal Credit Union VISA Platinum Rewards Credit Card

  • Visit the Justice Federal Credit Union VISA Platinum Rewards 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 8:30am - 8:00pm
  • Tuesday 8:30am - 8:00pm
  • Wednesday 8:30am - 8:00pm
  • Thursday 8:30am - 8:00pm
  • Friday 8:30am - 8:00pm
  • Saturday Closed

About Justice Federal Credit Union VISA Platinum Rewards Credit Card

Icon for Personal Credit Cards
View all personal credit cards offered by Justice 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

Introductory Rate 0%
Purchase Intro APR Period (Fixed APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) $10 - $50
Initial Program Fee $0
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $27
Paper Statement Fee $1
Late Fee Amount Up to $27
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 11.9%
Balance Computation average daily balance (including new purchases)
Purchase APR (Fixed APR) 11.9%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 180 days
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 11.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

Be the first to rate

 

Would you recommend Justice Federal Credit Union VISA Platinum Rewards Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Justice Federal Credit Union Personal Credit Cards

Loading...