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Jovia Visa® Advantage

BestCards Team

| Last updated on October 27th, 2023

Jovia Visa® Advantage

Jovia Visa® Advantage
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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Jovia Visa® Advantage

  • 13.24% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 13.24% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 13.24% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 1.99% for 12 months from account opening date Intro Purchase APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • No balance transfer fee
  • Great low APR
  • 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 the first 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
  • 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

Jovia Visa® Advantage Review

The Jovia Visa® Advantage is a great balance transfer credit card from the newly renamed Jovia Financial Credit Union on Long Island. Formerly the Nassau Educators Federal Credit Union, Jovia aims to take a brighter look at the world of banking – including its credit card products, such as the Visa Advantage Card.

The Jovia Visa® Advantage offers a very impressive introductory APR on balance transfers and purchases of 1.99% APR for the first 12 months. While many balance transfer cards offer a 0% intro APR for a similar period, however, the Jovia Advantage makes up for this shortcoming with an exceptional APR once the introductory period expires. Once the 12 months are over, Jovia Advantage Cardholders can expect a typical APR for purchases, balance transfers, and cash advances starting at 9% variable, based on both the Prime Rate and creditworthiness. For those with excellent credit, it might be challenging to find a better APR on the market today.

If the former NEFCU is trying to make people see the “brighter side of banking,” this low APR and excellent introductory bonus are a great place to start. Jovia not charging fees for things like annual fees, foreign transaction fees, or balance transfers further boosts the outlook on this card. While the card does charge fees for late payments, there is no penalty APR, meaning cardholders that miss a payment can expect a fee and not a penalty APR of around 30% for six months or more.

As with other Visa products in the 21st century, the Jovia Visa® Advantage comes with comprehensive fraud protection and other security features designed to keep customers safe. The card also boasts convenience features, such as mobile payment integrations with services such as Apple Pay, Google Pay, and Samsung Pay.

Should You Apply for the Jovia Visa® Advantage?

The Jovia Visa® Advantage Card from Jovia Financial Credit Union is an excellent balance transfer and low APR card for Long Island, New York residents who want a card that works for them. The great introductory offer of 1.99% APR for 12 months, followed by an exceptional regular APR after that, makes the card the perfect tool for carrying a balance, consolidating existing credit card debts into one monthly payment, or for making a significant purchase over several months. With no foreign transaction fees the card is even an excellent option for not only financing family trips abroad, but helping to pay for souvenirs, hotels, and more while out of the country. The former Nassau Educators Federal Credit Union is rebranding itself for future – and cards like the Visa® Advantage are great place to start.

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