Visa® Advantage from Jovia Financial Credit Union Review
Visa® Advantage from Jovia Financial Credit Union — all information about the credit card.
Updated June 30, 2022
Apply now
Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- This card doesn't offer cash back, miles or points.
- Intro Offer:
- No current offer.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:8.74% - 17.99% Variable
- Balance Transfer APR:8.74% - 17.99% Variable
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Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 8.74% - 17.99% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- 8.74% - 17.99% Variable
- APR for Cash Advances
- 8.74% - 17.99% Variable
- How to Avoid Paying Interest
- Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month. This is commonly known as a grace period, or the period of time you can pay your balance in full without paying interest on purchases.
Fees
- Annual Fee
- $0
- Fees for Balance Transfer
- None
- Fees for Cash Advances
- 3%
- Return Payment
- Up to $25
- Late Payment
- Up to $25
Pros & Cons
Pros:
- No Annual Fee
- No Foreign Transaction Fee
Cons:
- No rewards
- No Intro APR period
Features
- Low interest
- No Annual Fee
- No foreign transaction fees
- Payment Flexibility
- Good Credit
- Excellent Credit
About the issuer
Jovia Financial Credit Union has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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Recommended credit score
Good to Excellent (670-799)
- $0Annual Fee
- 17.99% - 27.99%Regular APR
- 10%You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
- NonePurchase Intro APR
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Recommended credit score
No Credit History to Fair (0-669)
- *see terms*Annual Fee
- 35.9%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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First Access Visa® Card
Recommended credit score
No Credit History to Fair (0-669)
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
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- NonePurchase Intro APR
Apply now
On the First Access Visa® Card secure website
Jovia Financial Credit Union Visa® Advantage is an option for those, who need Classic features. With an APR of 8.74% - 17.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Jovia Financial Credit Union Visa® Advantage you will get such features as Low interest, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
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Recommended credit score
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- $36Annual Fee
- 22.70%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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On Merrick Bank‘s site