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Lower your monthly costs and get rewarded—that’s a win all around! Enjoy NO payments for up to 90 days!1 Choose from loan terms ranging from 36 to 84 months with competitive low rates
Stay prepared for the unexpected and ready for what’s next with a credit card designed to fit your life.
Level up your spending with our lowest rates and highest limits available.
Choose a card that brings more perks and less hassle with every swipe
Whether you’re starting—or restarting—your credit journey, do it with confidence!
Build your credit without the added stress of overspending.
Rewards Credit Card**
Visa Platinum Credit Card
Secured Visa Credit Card
Starter Visa Credit Card
*APR=Annual Percentage Rate
**1.99% is the introductory rate for the first 12 months of account opening. Upon 12 months APR converts to Prime + 10.5% interest rate with a cap of 18%.
Your first step is to contact the merchant directly; they can often resolve issues more quickly by reversing incorrect charges. If the problem persists, you can contact JHCU, and we'll assist you in filing a claim through VISA®. Keep in mind, this process may take up to 120 days.
If you discover fraudulent or suspicious transactions on your credit card, please contact us at 410-534-4500 or 1-800-543-2870 as soon as possible to prevent further damage. For lost, stolen, or otherwise damaged cards, please contact us.
You can pay for your credit card in the following ways:
Check: You may use a check to pay your credit balance, sent through the mail or brought in person to a branch.
Yes, you can add authorized users to your credit card account, provided they are 18 or older. To add an Authorized User, a form needs to be completed and signed by the cardholder and the authorized user.
Yes, you can add a co-applicant to the application. A co-applicant has co-ownership of the card and can use it just as the Primary Owner would. The co-applicant is equally responsible for paying off the card's balance.
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
1Rates are based on applicants’ credit and the type of credit card and may vary at JHCU. Fee for foreign purchases is 1% of each transaction in U.S. dollars. Cash advance fee is $5 or 2% of the amount of each advance, whichever is greater.
2Rates are based on applicants’ credit and the type of credit card and may vary at JHFCU. Fee for foreign purchases is 1% of each transaction in U.S. dollars. Cash advance fee is $5 or 2% of the amount of each advance, whichever is greater.
3Each point earns 0.90% in cash back rewards. For example, redeem 10,000 points for $90 in direct deposit. To be able to redeem points in cash back rewards, you must have an open JHCU checking account with a Visa debit card. Once points are redeemed, it may take up to five business days for the direct deposit to post to the checking account. For every $1 you spend in purchases using your JHCU Visa Rewards, you earn 2 times (X) points for groceries, 3X points for dining, 4X points for utilities, and 1X points for all other purchases. Points can then be redeemed for merchandise, travel or gift cards.
4APR = Annual Percentage Rate. Rates are based on applicants’ credit and the type of credit card and may vary at JHCU. Fee for foreign purchases is 1% of each transaction in U.S. dollars. Balance transfer fee is $5 or 2% of the amount of each transfer, whichever is greater. Cash advance fee is $5 or 2% of the amount of each advance, whichever is greater. There is a 1.99 intro APR for 12 months following the opening of your account; after that the variable rate of 18.00%-18.00% will apply to the unpaid balance and any new balance transfers.
5APR = Annual Percentage Rate.
6 Cards are typically processed within 3 to 5 days before being mailed.
