Credit Cards

Johns Hopkins Federal Credit Union offers a variety of credit cards to meet your needs - rewards, balance transfers, competitive rates.  From your first card to your “now” card, we’re here to help you along the way with all the convenience you’d expect from JHFCU.  

JHFCU offers four great options, plus each cards 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
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)

Apply Now 


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)

Apply Now



Visa Starter Card

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

Apply Now


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)

Apply Now

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 Checkout

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

    More Info about Visa Checkout

  • EMV Chip

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

    More Info

Activate your card or select a new PIN by calling 1-800-992-3808

Issue? Lost or Stolen card? Call 410-534-4500 or 800-543-2870.

*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.

Comparing Cards

It's a decision that comes into play for every bill you pay, every tank of gas you buy and every coffee you pick up on the way to class or work. Cash, check or card? Debit, credit or prepaid debit? You make this decision so many times a day that it might seem common and unimportant. After all, different forms of payment are just different ways to access funds, so what difference does it really make if you put your breakfast sandwich on credit instead of debit?