Jovia Visa® Advantage
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 1.99% for 12 months from account opening date
At a glance
The Jovia Visa® Advantage is a low APR and balance transfer card from Jovia Financial Credit Union that is big on benefits and little on drawbacks. The card features an exceptional typical APR starting at around 9% variable, which is set at an amazing 1.99% for the first 12 months. The card also benefits from no foreign transaction fees, no balance transfer fees, no penalty APR, and no annual fee.
Our review of the Jovia Visa® Advantage
If you’re looking for a top-notch balance transfer credit card, the Jovia Visa® Advantage from Jovia Financial Credit Union is a fantastic choice. Formerly known as the Nassau Educators Federal Credit Union, Jovia is bringing a fresh perspective to banking, and their Visa Advantage Card is a shining example.
One of the standout features of the Jovia Visa® Advantage is its impressive introductory APR of 1.99% on balance transfers and purchases for the first 12 months. While some other cards may offer a 0% intro APR, the Jovia Advantage makes up for it with a competitive APR after the introductory period ends. Cardholders can expect a starting APR as low as 9% variable for purchases, balance transfers, and cash advances, based on creditworthiness and the Prime Rate. This makes it a great option for those with excellent credit who are seeking a low APR.
In line with their mission to show the “brighter side of banking,” Jovia does not charge annual fees, foreign transaction fees, or balance transfer fees, giving cardholders more value for their money. While there are fees for late payments, there is no penalty APR, which means you won’t be hit with a sky-high interest rate for missing a payment.
The Jovia Visa® Advantage also comes with robust security features, including fraud protection, to keep your information safe. Plus, it offers the convenience of mobile payment options like Apple Pay, Google Pay, and Samsung Pay.
Overall, the Jovia Visa® Advantage Card is an excellent choice for Long Island residents looking for a balance transfer card with a low APR. Whether you’re consolidating debt, making a big purchase, or traveling abroad, this card has you covered. With its attractive introductory offer and competitive regular APR, it’s a smart choice for those who want a card that works for them. As Jovia Financial Credit Union rebrands itself for the future, the Visa® Advantage Card is a shining example of their commitment to providing value to their customers.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No foreign transaction fees
- No balance transfer fee
- Great low APR
Who this card may suit
- You don’t want to pay an annual fee
- You already bank with Jovia (formerly NEFCU) in New York
- You want a tremendous low APR to consolidate existing credit card balances
- You do't want to pay foreign transaction fees
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 1.99% for 12 months from account opening date |
| Regular Purchase APR | 13.24% to 17.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 1.99% for 12 months |
| Balance Transfer APR | 13.24% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 13.24% to 17.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | 3% of the transaction amount |
| Late Payment Penalty Fee | Up to $25 |
| Return Payment Penalty Fee | Up to $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Jovia Visa® Advantage
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