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  Justice Federal Credit Union VISA Signature Credit Card

Justice Federal Credit Union VISA Signature Credit Card

in Personal Credit Cards from Justice Federal Credit Union

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Justice Federal Credit Union VISA Signature Credit Card

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in Personal Credit Cards from Justice Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 10.15% - 18%
Balance Transfer APR  (Variable APR) 10.15% - 18%
Credit Score Range 680 - 850
Annual Fee $0

Justice Federal Credit Union VISA Signature Credit Card Review

This is a cashback credit 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. 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 Signature Credit Card has a variable purchase APR that ranges from 10.15% 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 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 10.15%.
  • 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
  • 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 10.15% with a minimum of $0.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Access to a concierge.
  • Justice Federal Credit Union VISA Signature Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 10.15% up to 18%. The card has a variable balance transfer APR that ranges from 10.15% up to 18%. It also has a variable cash advance APR that ranges from 10.15% up to 18%.

Does Justice Federal Credit Union VISA Signature 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 Signature Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 10.15% - 18%
Balance Transfer Fee Intro Period 180 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 10.15% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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

Justice Federal Credit Union VISA Signature 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 Signature Credit Card?

The following fees apply:

Justice Federal Credit Union VISA Signature Credit Card Fees
Fees Amount
Annual Fee $0
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 cashback card.

What is the customer service phone number for Justice Federal Credit Union VISA Signature Credit Card?

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

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

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

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.

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 Signature Credit Card

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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 (Variable APR) 6 months
No Annual Fee
No Foreign Transaction 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
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Concierge
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 10.15% - 18%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 10.15% - 18%
Balance Transfer Fee % After Intro Period 10.15% - 18%
Balance Transfer Fee Intro Period 180 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.15% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Visa

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