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. 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. There is a 1.99 intro APR for 12 months following the opening of your account; after that the variable rate of 18.00%-18.00% will apply to the unpaid balance and any new balance transfers.
2 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, and 1X points for all other purchases. Points can then be redeemed for merchandise, travel or gift cards.
3 Earn an additional 10,000 bonus points after you spend $2,500 on purchases in the first 90 days.