We offer three programs:

VISA® Platinum Classic Secured*

VISA® Platinum Classic**

VISA® Platinum Preferred**

A VISA credit card from JFCU gives you all the convenience and worldwide acceptance of the most recognized name in credit cards, but at a much lower cost than other issuers:

  • NO Annual Fee.
  • Fixed Annual Percentage Rate.
  • Easy to convert higher paying credit cards.

With our Secured VISA credit card, the funds are held in your savings account to secure your charges while strengthening your credit!


*Click here for secured credit card disclosure.

**Click here for classic/preferred credit card disclosure.

Instant Issue Credit Cards

Instant Issue Credit Cards

We are excited to announce instant issue credit cards are here! What does that mean for you? It means if you apply & are approved for a JFCU VISA credit card, you can walk out with your new card the very same day. Stop by any of our locations today for complete details.

Mobile Payments Available

Your JFCU Credit Card allows you to take advantage of Apple Pay, Samsung Pay, and Google Pay!

Click here to learn more about Google Pay.

Check out the Apple Pay guided tour by clicking here.

For details on Samsung Pay, learn more by clicking here.


Journey Federal Credit Union is pleased to offer CardValet®, a mobile card management application that helps reduce account fraud by allowing cardholders to monitor accounts with their smartphone and control how, when, and where their debit or credit card is used. Click here for more information!


Visa Payments

Looking to make a payment on your JFCU VISA? Simply log into your JFCU online banking account and click the card icon next to your card number to view transactions and more! If you prefer, you can always give us a call at 989.227.3700

uChoose Rewards

Your JFCU Credit Card will earn points through the uChoose Rewards program! This program is free & easy to use.

Sign up today at uChoose Rewards.

uChoose Rewards



Credit Card Rates
Effective Date: Saturday, May 25th, 2024
Card TypeAPR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Visa ® Platinum Preferred 9.90% Revolving 2.25% of outstanding balance; minimum $15 $15,000
Visa ® Platinum Classic Secured 12.99% Revolving 2.25% of outstanding balance; minimum $15 $500
Visa ® Platinum Classic 12.99% Revolving 2.25% of outstanding balance; minimum $15 $15,000
*APR = Annual Percentage Rate. Credit restrictions apply.

Lost/Stolen Cards:

If you need to report your VISA card lost or stolen during normal business hours, please call us at 989-227-3710. After regular business hours or on the weekend, please call 855-624-7714.

To activate a new card of dispute a transaction, please call 855-624-7714.

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