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Journey Federal Credit Union



Credit Cards

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:

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


Changes are coming to your Journey FCU Credit Card

Journey Federal Credit Union is excited to announce our partnership with an in-house credit card processor to better service your credit card needs. This will mean a few changes to your account, and we want to make sure you know exactly what’s happening. In the coming weeks, current cardholders should be on the lookout for a letter coming in the mail with additional details. See a sample letter here!

Apple, Google & Samsung Pay are coming soon!


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!


Credit Card Rates
Effective Date: Tuesday, May 26th, 2020
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Visa Platinum Preferred 9.90% Revolving 2.25% of outstanding balance; minimum $15 $20,000
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 $20,000
*APR = Annual Percentage Rate. Credit restrictions apply.

After hours:

If you need to report your VISA card lost or stolen after regular business hours or on the weekend, please call 1-855-624-7714.

To report a lost or stolen ATM/Debit card after regular business hours or on the weekend, please call 1-800-417-8715.

Looking to make a payment on your JFCU VISA? Simply click here or give us a call at 989.227.3700!

ATTENTION: On April 30, 2020, our Scorecard Rewards program ended. You will now earn points through the uChoose Rewards program, beginning May 20, 2020. Any points that were remaining with Scorecard Rewards will rollover to the new uChoose Rewards program, but will not be available until the program begins on May 20th. In addition, no points will accrue during the blackout period from 4/30/2020 to 5/20/2020. For anyone who is currently signed up for uChoose Rewards with our Debit Cards, we have great news! Your Credit Card and Debit Card reward points will now be combined, so no matter which JFCU card you use for purchases, your rewards will add up even faster!

uChoose Rewards

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
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