Credit Cards

JHFCU offers four great credit card options, plus each card comes with:

  • No Annual Fee*
  • No Minimum Finance Charge*
  • No Balance Transfer Fee*
  • 25-day interest-free grace period on all new purchases
  • Multiple security features

Credit Card Calculators

Free Debt Management & Counseling

Comparing Cards

Using Your Credit Card

Which Card Is Right For You?

Visa Platinum Card

Save on interest with our lowest-rate card - rates as low as 7.9% APR* - and pay down other credit card debt with our no-fee balance transfer*
(Learn More)

How To Apply 


Visa Platinum Rewards Card

Earn rewards points with every purchase – 1 point for every $1 you spend**.  Earn more with 2X Rewards offers and other annual promotions – rates as low as 9.4% APR* (Learn More)

How To Apply



Visa Starter Card

Get started with our card designed to help build, or rebuild credit history.
(Learn More)

How To Apply



Secured Visa Credit Card

No credit or low credit? Build or repair your credit history using secured funds. This card requires a deposit equal to your credit limit. (Learn More)

How To Apply

Additional Credit Card Features:

  • Visa Purchase Alerts

    Enroll your JHFCU Visa debit and credit card to receive instant alerts via email or text for purchases based on the criteria you select.

    More Info about Visa Purchase Alerts

  • Visa Online Checkout

    Skip the lengthy checkout process and use Visa Online Checkout. It's easy, fast and secure, stored behind multiple layers of security, plus receive special deals via email.

    More Info about Visa Online Checkout

  • EMV Chip

    Our Visa debit and credit cards feature an embedded microchip that provides additional safeguards against fraud.

    More Info about EMV Chip

Credit Card/ATM/Visa Debit card

Activation/PIN Selection or Change: 1-800-992-3808

Lost/Stolen/Other Issues

During Business Hours: 410-534-4500 or 800-543-2870, press 2

After Business Hours: 410-534-4500 or 800-543-2870.
  • For DEBIT/ATM Card, press 5.
  • For Credit Card, press 6.

Please note that JHFCU will never ask for your full Social Security Number, Card PIN, or CV2 code.  If you get a call asking for that information, it is most likely a scam. Click here for more details on how to protect your account and card.

*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.

 ** Earn one point per dollar purchase (cash advances and balance transfers are not eligible for points). Points earned will be posted to participant’s uChoose Rewards® account the following month.