Purchase APR
14.49–17.99%
Annual fee
None
Foreign fee
None
620–719720+Cashback
Carrying $3k for a year ≈ $532.20
← Back to explorer
49
VISA Advantage
Jovia Financial Federal Credit Union
One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
11.49–17.99%
Annual fee
None
0% intro
2.99%
0% transfer
2.99%
Foreign fee
None
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
17.99%
720+
12.49%
Lowest offered11.49%
Median16.24%
Highest offered17.99%
Introductory purchase APR
Promotional window: 12 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered2.99%
Median2.99%
Highest offered2.99%
Balance transfer APR
Promotional window: 12 months
No score
2.99%
≤619
2.99%
620–719
2.99%
720+
2.99%
Lowest offered2.99%
Median—
Highest offered2.99%
Cash advance APR
No score
—
≤619
—
620–719
17.99%
720+
12.49%
Lowest offered11.29%
Median—
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesNY
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: As a credit union this is limited to members within our charter of Nassau and Suffolk counties in New York.
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer feenot reported
Promo interest at 2.99%$74.75
Net savingunknown
This issuer reports that a transfer fee applies but did not report the amount, so the net saving cannot be calculated. Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 16.24% afterwards.
Cost to carry a balance
Interest for a year at 16.24%$487.20
Annual / periodic fees$0
Total yearly cost$487.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Jovia Financial Federal Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
15.24–17.99%
Annual fee
None
Foreign fee
None
620–719720+Cashback
Carrying $3k for a year ≈ $487.20
Purchase APR
13.25–18%
Annual fee
None
Foreign fee
1%
0% purchases · 6 mo0% transfers · 6 mo
No score≤619Cashback
Carrying $3k for a year ≈ $487.50
Purchase APR
13.25–18%
Annual fee
None
Foreign fee
1%
0% purchases · 6 mo0% transfers · 6 mo
No score620–719Cashback
Carrying $3k for a year ≈ $487.50