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 Controls. Turn your cards on and off, block merchants and transactions, set a spending limit, and manage text and email alerts using Jovia’s Online and Mobile Banking.


How do I apply for a Visa® Credit Card?
Applying is super easy! You can apply online, by phone, or at any branch.
Can I use my Visa® Credit or Debit card while I am out of the country?

Yes, you can! Our Visa® Credit and Debit cards can be used internationally anywhere Visa® is accepted. Just be sure to submit a travel notification prior to your trip.

How do I set up a travel notification to avoid any issues with my Visa® debit or credit card?

Travel notifications can be placed through our Online Banking platform. Be sure to give us a few days notice so we can set up your account appropriately.

Setup Travel Notification

Travel notifications submitted Monday through Friday before 4:00pm will be processed that day.

To report a travel notification after 4:00pm weekdays, Saturday, Sunday and Holidays, please call the following numbers directly:

  • Debit Cards: (866) 820-8793
  • Credit Cards: (866) 820-3031

Travel dates cannot exceed one (1) year. You would need to notify the credit union annually to extend travel dates.

Does my Visa® Credit Card contain travel cancellation insurance?

At this time, only our Signature Elite Visa® Credit Card offers travel cancellation protection.

How do I dispute a charge on my account?

We take our member's security very seriously. If you feel there was an unauthorized transaction on your account, we are committed to investigating your claim.

  • Debit or Credit Card (DBT/POS) transaction
    • Many times disputes can be resolved quickly by contacting the merchant directly. If you are unable to resolve the dispute with the merchant, you can file your dispute with us. Please complete the Visa® Charge Dispute Form and submit it electronically. Any additional information such as receipts that may assist in resolving the dispute, should be indicated on the form. Disputes can take up to 60 days to resolve.
  • Unauthorized Withdrawal (ACH/non-debit or credit)
    • If you are on an account with another individual, consult with them first to verify that he/she did not authorize the withdrawal. If the withdrawal was not authorized by any of the account owners, please complete an Unauthorized Withdrawal Form.
    • Was the fraudulent transaction a check? This would be a check that was stolen and signed by someone else other than the signors on the account. In this case, a police report is required along with a Fraudulent Check Form. Documents should be forwarded to the Sharedraft Administrator in Deposit Operations for further processing.
      • Documents must be received with 60 days of the item being presented to the account to receive provisional credit.
      • When will I receive provisional credit? Upon receiving the proper documents by 10:30 am, the account will be credited by the end of that business day.

¤ 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.