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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
So many rewards; one simple card.
Turn every purchase into a reason to celebrate—from little pick-me-ups to big plans.
Filling up anyway? Earn 5X points when using your Rewards Credit Card. Use rewards for travel, gift cards, purchases with Amazon, and more.
A more rewarding way to pay has just arrived! With built-in features to capitalize on every swipe, the Rewards Credit Card is your one-stop shop for earning the most on every dollar you spend.
Plus, enjoy a 1.99% APR1 intro rate for 12 months AND earn an additional 10,000 bonus points after you spend $2,500 on purchases in the first 90 days
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 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 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.
Rewards Credit Card**
“I love this credit union! They are very prompt with handling any questions or concerns and really put your needs first. The products they offer are top notch as well! Every time I go to one of the branches the staff is always very helpful and friendly! I am a member for life :)”
–Kristen F.
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.
1APR=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%. Rates are based on applicants’ credit and the type of credit card and may vary.
2Each 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 JHFCU Visa Rewards, you earn 2 times (X) points for groceries, 3X points for dining, 4X points for utilities, 5X points for gas purchases, and 1X points for all other purchases. Points can then be redeemed for merchandise, travel or gift cards.
3Fee 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.
4Cards are typically processed within 3 to 5 days before being mailed.
5Each 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 JHFCU 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.
6Earn an additional 10,000 bonus points after you spend $2,500 on purchases in the first 90 days.
