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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Justice Credit UnionC.O.P.S. AFFINITY VISARegistry illustration · issuer artwork unavailable

C.O.P.S. AFFINITY VISAJustice Credit Union · federal credit union, CA · NCUA 151

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
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Purchase APR
11.90%
fixed
Balance transfer
2% for 12 mo
then 11.90%
Cash advance APR
11.90%
fixed
Annual fee
No Annual Fee
a year
Foreign fee
1%
of the amount
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
Introductory, 12 months0%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“0% Introductory APR* for the first 12-months on purchases”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
11.90%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“11.90% Low, non-variable APR* after 12-months”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfersintroductory rate first
Introductory, 12 months2%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“2% Introductory APR* for the first 12-months on balance transfers and cash advances”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
After11.90%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“11.90% Low, non-variable APR* after 12-months”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for cash advances11.90%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“11.90% Low, non-variable APR* after 12-months”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual feeNo Annual FeeJUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“No Annual Fee”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance2% of the amount, minimum $10, maximum $100, *APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“*APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Cred…”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer2% of the amount, minimum $10, maximum $100, *APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“*APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Cred…”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction1% of the amount, *APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“*APR = Annual Percentage Rate. Offer as of September 18, 2026. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Cred…”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment—no source read
Returned payment—no source read
Other APRsoutside the standard boxes2%JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“2% Introductory APR* for the first 12-months on balance transfers and cash advances”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsBalance transfer · Introductory; Cash advance · Introductory 2% Introductory APR* for the first 12-months on balance transfers and cash advancesJUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“2% Introductory APR* for the first 12-months on balance transfers and cash advances”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular 11.90% Low, non-variable APR* after 12-monthsJUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“11.90% Low, non-variable APR* after 12-months”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsPurchase · Introductory 0% Introductory APR* for the first 12-months on purchasesJUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“0% Introductory APR* for the first 12-months on purchases”JUSTICE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website