RateHerald

No link on this page pays us. When one does, it says so, and it never changes a ranking. How we make money

Jovia Financial Federal Credit Union credit cardChecked Oct 10, 2026Updated Our illustration, not the card’s design

Jovia Financial FCU Visa Signature Elite

20,000 points after you spend $2,000 in 3 months. No annual fee.

Welcome offer
Annual fee
Purchase APR
Foreign transaction fee
Read the card agreementRates and fees

We don’t earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$350$150
Typical spender$575$375
Heavy spender$1,025$825
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

How it compares

  • Lower top APR than about 90% of the 119 cards on our Sign-up bonuses list (see the list).
  • No annual fee, like about 85% of the 623 cards we track.
  • Worth more to a typical spender than about 85% of the 647 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

20,000 points

After you spend $2,000 on purchases in your first 3 months.

New cardholders only. Existing Jovia Cardholders are not eligible. Rates and terms are subject to change without notice.

  • Smaller than about 70% of the 29 other points bonuses we track.
Spending it takes$667 a monthfor 3 months
Tracking sinceOct 10, 2026history will chart every change

Before you apply

  • What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  • Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

How you earn

  • 1.25× pointsEverything else

Rates and fees

Annual fee
Purchase APRvariable
Cash advance APR
Late payment
Foreign transactions
Minimum interest charge

Carrying a balance? See how long it takes to pay off

Questions

What is the annual fee?
None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
14.49–17.99% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
20,000 points after $2,000 in purchases in 3 months. jovia.org, since Oct 2, 2026

Other points cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).