Due to the impact of the coronavirus, Jovia’s branch and service hours have changed. We have temporarily closed select branches and all in-branch member service needs will be by appointment only. For more information, please click here.

Visa® Signature

Earn as you spend

Use your card a lot? Why not earn as you spend! Jovia’s Visa® Signature Credit Card is the right choice for you. Earn 1.25 points for every dollar you spend, and use the points for travel, merchandise, gift cards or cash. And if you spend $2,000 during the first three months, you’ll get an additional 20,000 points!¤

With rich rewards and a great rate, this card also has no annual fee, and no balance transfer or foreign transaction fees. Plus, you get Price Protection, Trip Cancellation Insurance and more!

Bonus Rewards

Spend $2,000 during the first three months and earn an additional 20,000 points. Redeem points for travel, merchandise and even cash back.¤

Save Money

In addition to a great low rate, a Jovia Visa® Signature Elite Card has no annual, balance transfer, or foreign transaction fees.


Use your Jovia Visa® Signature Card to pay for purchases with Apply Pay, Samsung Pay, and Google Pay.


Manage your spending and protect your card against fraud with card alerts.


¤ Points to cash option allow members to use points to make a Jovia Visa Signature Elite Credit Card payment or a cash deposit to their Jovia accounts. $25 minimum per conversion.

APR = Annual Percentage Rate. Rates are based on an applicant's credit history. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Rates range from Prime+7.74% to Prime+14.74%, 17.99% rate cap. Rate and credit line you are issued is based on your credit history. Not all applicants may be approved. Subject to the Visa Signature Elite Terms and Conditions. Please refer to the Visa Signature Benefits for the full details of your benefits program. Approved applicants with a credit limit of less than $5,000 will receive a Visa Advantage card. Transaction Fees for Visa Signature Elite include 2% of transaction amount for Cash Advances. No reward points will be earned for cash advances, including balance transfers and convenience checks.

Certain terms, conditions, and exclusions apply. In order for benefit coverage to apply, you must use your covered Visa Signature card to secure transactions. Please refer to your guide to benefits for further details.

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

Traveling out of the country? Please let us know to avoid any card issues while away.