Visa Platinum Rewards Card

Our Visa Platinum Rewards Card offers the best of both worlds – earn points with every purchase while enjoying a great low rate. With a credit limit of up to $25,000, you can maximize your rewards and manage your finances with ease. This card features:
  • No Annual Fee
  • Rates as low as 9.40% APR*
  • No Minimum Finance Charge
  • No Balance Transfer Fee
  • 25-Day Interest-Free Grace Period on All New Purchases
  • No Over-the-Credit Limit Fee
  • EMV Chip Card
  • Visa Online Checkout

UChoose Rewards

  • 1 Point Earned for Every $1 Spent on All Purchases
  • Points Expire After 3 Years**
  • Virtual or Physical Gift Card Options Available from $5 to $500
  • Use Points for Goods Directly with Various Merchants
  • Reserve Flights, Hotels, Car Rentals, or Cruises Using Points
  • Use Points for Purchases with Amazon, PayPal, and BP/Amoco

Earn valuable rewards points on every purchase and enjoy the financial flexibility you deserve with our Visa Platinum Rewards Card. Apply today and start earning rewards while benefiting from our competitive rates, high credit limit, and exceptional features!


You may apply by the following:

  • Through Online Banking
  • By calling our Member Service Center and applying over the phone
  • Stop by a branch location and fill out the form in person
  • Print the application and mail, fax, or bring it in to a branch

Your New Card

1. Upon approval of your application, cards are typically processed within 3 to 5 days before being mailed. 

2. To activate your card, call the number on the sticker attached to your new card—you will need to verify certain information in order to activate the card. Upon being activated, you can begin using it immediately.

3. To change your pin, please call 1-800-992-3808. You cannot change the pin at one of our branches.


Making Payments on Your Card

You have several options to pay your credit card bill:

  1. Online Transfer — Transfer money from another account to your credit card. Your payment will be credited immediately, and your balance and available credit will be updated. You may also conduct transfers at a branch.
  2. Online Bill Pay — You can use Online Bill Payment to pay your credit card bill! It takes 2 business days to credit your account and update the balance. For convenience in paying and tracking all your bills, you can set up JHFCU as a Payee. Use your 9-digit JHFCU account number (not the 16-digit card number) and JHFCU's main address: 2027 E Monument St, Baltimore, MD 21205.
  3. Telebranch 24 — You can use our 24/7 automated phone system to transfer money from a JHFCU account to your credit card balance.
  4. Check — You may use a check to pay your credit balance sent through the mail or brought in person to a branch.



Credit Card Security

For transaction disputes, your first step is contacting the merchant directly. They can often resolve issues faster by reversing incorrect charges. If the problem persists, you can contact JHFCU, and we'll assist you in filing a claim through Visa. Keep in mind, this process may take up to 120 days.

If you discovered fraudulent or suspicious transactions associated with 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.



*APR = Annual Percentage Rate. Rates 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.
**Points expire after three years or 1,095 days.