Justice Federal Credit Union VISA Signature Credit Card

Justice Federal Credit Union VISA Signature Credit Card Review

This is a cashback card issued by Justice Federal Credit Union. If you're wondering whether Justice Federal Credit Union VISA Signature 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 Federal Credit Union VISA Signature Credit Card has a variable purchase APR that ranges from 13.90% up to 18%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 13.90%.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Justice Federal Credit Union VISA Signature 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 variable purchase APR that ranges from 13.90% up to 18%. No annual fee. Access to a concierge. Justice Federal Credit Union VISA Signature Credit Card reports to multiple credit bureaus.

You need good credit to qualify. Does not offer a signup bonus.

Justice Federal Credit Union VISA Signature Credit Card FAQ

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

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

What are the Justice Federal Credit Union VISA Signature Credit Card benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Justice Federal Credit Union VISA Signature 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 Federal Credit Union VISA Signature Credit Card has a variable purchase APR that ranges from 13.90% up to 18%. The card has a variable balance transfer APR that ranges from 13.90% up to 18%. It also has a variable cash advance APR that ranges from 13.90% up to 18%.

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

The following fees apply:

Justice Federal Credit Union VISA Signature Credit Card Fees

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

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

Yes, Justice Federal Credit Union VISA Signature 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 Signature Credit Card

• Visit the Justice Federal Credit Union VISA Signature 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.