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54

Visa Signature Elite

Jovia Financial Federal Credit Union

NationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
14.49–17.99%
Annual fee
None
0% intro
None
0% transfer
None
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+
15.49%
Lowest offered14.49%
Median17.74%
Highest offered17.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered14.49%
Median17.74%
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
  • Cashback rewards
Services
  • Automobile rental insurance
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: Limited to our membership in Nassau and Suffolk counties

Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 17.74%$532.20
Annual / periodic fees$0
Total yearly cost$532.20

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.

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