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  Justice FCU VISA Platinum Rewards Credit Card
Justice FCU VISA Platinum Rewards Credit Card
in Credit Cards from Justice Federal Credit Union
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Justice FCU VISA Platinum Rewards Credit Card

Unaffiliated
in Credit Cards from Justice Federal Credit Union
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Highlights
Purchase APR  (Fixed APR) 11.9%
(Verified 08/04/2023)
Balance Transfer APR  (Fixed APR) 11.9%
(Verified 08/04/2023)
Credit Score Range 600 - 850
Annual Fee $0

Justice FCU VISA Platinum Rewards Credit Card Review

This is a rewards card issued by Justice Federal Credit Union. If you're wondering whether Justice FCU VISA Platinum Rewards Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer 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 FCU 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. 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 FCU VISA Platinum Rewards Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months. There is then a fixed purchase APR of 11.9%.
  • No annual fee.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere Justice FCU VISA Platinum Rewards Credit Card is accepted.
  • Justice FCU VISA Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

Justice FCU VISA Platinum Rewards Credit Card FAQ

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

Justice FCU VISA Platinum Rewards Credit Card is a rewards card.

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

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Justice FCU 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 FCU 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. This card has lower than average regular APRs.

Justice FCU VISA Platinum Rewards Credit Card 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 FCU 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 18 months.

Justice FCU VISA Platinum Rewards Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 18 months
Balance Transfer APR 11.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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

Justice FCU 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 FCU VISA Platinum Rewards Credit Card?

The following fees apply:

Justice FCU VISA Platinum Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee Starting at $ up to $27
Late Payment Fee Starting at 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 FCU VISA Platinum Rewards Credit Card have a foreign transaction fee?

Justice FCU 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 FCU VISA Platinum Rewards Credit Card?

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

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

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

What is the Justice FCU VISA Platinum Rewards Credit Card login page?

You can access the Justice FCU VISA Platinum Rewards Credit Card login page here.

How do people rate the customer service and user experience of Justice FCU VISA Platinum Rewards Credit Card?

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

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

Yes, Justice FCU 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 FCU VISA Platinum Rewards Credit Card

  • Visit the Justice FCU 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 FCU VISA Platinum Rewards Credit Card

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Fixed APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) $10 - $50
Initial Program Fee $0
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
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)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
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%
APR Type Fixed APR
Balance Computation average daily balance (including new purchases)
Purchase APR (Fixed APR) 11.9%
(Verified 08/04/2023)
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 18 months
Balance Transfer APR (Fixed APR) 11.9%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.