JHFCU offers three 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 purchase
  • No Over-the-Credit Limit Fee

Which Card Is Right For You?


Visa Platinum Card

Save on interest with our lowest-rate card - rates as low as 7.9% APR1 - and pay down other credit card debt with our no-fee balance transfer1 

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Visa Platinum Rewards Card

Earn rewards points with every purchase – 1 point for every $1 you spend2.  Earn more with 2X Rewards offers and other annual promotions – rates as low as 9.4%APR1

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Visa Starter Card

No credit or low credit? Get started with our card designed to help build, or rebuild credit history.

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Apply Now

Credit Card Features:

Verified by Visa   

EMV Chip   

Visa Checkout


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.

Add an Authorized User (PDF)

Balance Transfer Form (PDF)


1 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.

 2 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.