VISA® Credit Cards
We have a card that's right for you!
A VISA® Credit Card to meet your needs
Standard features on all our credit cards, designed to keep you moving forward
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Low introductory APR
An introductory 1.99% APR2 for your first six (6) months. No annual fee and no balance transfer fee
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Contactless Technology
With our new contactless technology, you can simply tap and go!
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Generous credit lines
Credit lines up to $25,000
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Online account management
Paperless statements and automatic payment options
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Mobile and online payment options
Apple Pay™, Google Pay™, Samsung Pay™ and VISA® Click to Pay available
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CardManager®
CardManager® is a debit and credit card fraud mitigation and management tool that enables cardholders to control when, where, and how their cards are used. Through online and mobile banking, Jeanne D’Arc debit and credit card holders can access location-based alerts, on/off settings, merchant alerts, spending controls, and more.
We have a card that's right for you
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Visa® Rewards Credit Card
Great for members who want to be rewarded for their spending!
With the Visa® Rewards Credit Card, you can redeem points on shopping, travel, event tickets, and more, or select the cashback option. You choose to use the points in a way that works for you. This is a great option for people who don’t tend to carry a monthly balance. And, we now offer point pooling. Cardholders have the option to combine points with those who are on different accounts.
Apply now -
Visa® Rate Credit Card
Get our lowest rates possible!
If you carry a balance from month to month, this credit card can help you! With our lowest APR, this card gives you the flexibility to think more about your next purchase, and less about interest rates. This is a simple, straightforward card for members who want to pay the least amount of interest possible.
Apply now
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MoneyStrong Build Visa® Credit Card
A card for those who want to build their credit score.
With Jeanne D’Arc’s MoneyStrong Build Visa® Credit Card, you will have the freedom and protection of a credit card while building your credit score3. You will start with a $250 credit limit, and after 6 months with good payment history, your limit will be increased to $500. After one year of good payment history, you’ll have the ability choose our VISA® Rewards or VISA® Rate Credit Cards.
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MoneyStrong Rebuild Visa® Credit Card
A card to help you improve your credit score.
With the Jeanne D’Arc MoneyStrong Rebuild Visa® Credit Card, you will have the flexibility and security of a credit card while having the opportunity to improve your credit score. You will start with a credit limit of up to $1,500, and after 1 year of good payment history, you can now choose our VISA® Rewards or VISA® Rate Credit Cards.
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Reward yourself by simply using your Credit Card
uChoose Rewards® is designed to reward you!
As a Visa® Rewards Credit Cardholder the uChoose Rewards® program gives you more flexibility and choices than ever when it comes to redeeming your reward points. For every purchase made, you earn points that you can use to redeem for items. With over one million redemption items, cardholders have the opportunity to use those points toward shopping, travel, event tickets, cashback, and more! You can access uChoose Rewards® through Jeanne D’Arc’s online banking options.
uChoose Rewards® FAQs
It’s a rewards program enabling you to earn points when you make purchases using your VISA® Rewards Credit Card. These points can then be redeemed at the point of sale with our Pay with Points program OR for cash back, gift cards, merchandise, and travel.
You earn points by making qualifying Purchases using your card. You can earn even more points when you shop at the participating retailers featured on the uChoose Rewards site. For online purchases, be sure to click the “Shop Now” button corresponding with a particular offer. You will be redirected to the retailer’s site and can proceed to shop as usual.
You can redeem your points at the point-of-sale with our Pay with Points program or online for cash back, event tickets, electronics, gift cards, hotel rooms, rental cars, airline tickets, and so much more. Browse the Redeem Points tab of the uChoose Rewards site through your mobile app or online banking to see all the options available to you.
It can take up to 60 days for your points to be credited to your account. To redeem your points, you may need to accumulate a minimum points threshold. Check your uChoose Rewards® homepage through your Mobile app or online banking to see when you’re eligible for redemption.
Yes. All cards associated with an account will automatically earn points together. Please check the My Account page of the uChoose Rewards site through your mobile/online banking. You may also be able to link accounts together to pool points within your family or business, for example.
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Interest paid using Competitor's Credit Card at 15.000% APR1 |
Interest paid using your Jeanne D’Arc VISA® Credit Card2 |
How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card3 |
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1APR=Annual Percentage Rate. 2 As low as 1.99% APR for the first six (6) months after account opening. After the first six (6) months from the account opening date, your rate will be based on the program you choose and your credit worthiness subject to a maximum APR of 15.99%. Updated from rates as of August 28, 2019 to October 25, 2021 and are subject to change. Other fees and charges may include: Cash Advance Fee of 2.00% of transaction or $5.00 minimum, $50 maximum; Minimum Interest Charge of $0.50; International Transaction Fee with currency conversion is 1.00% of your transaction in U.S. dollars. Introductory rate is for new cards only. Balance transfers from existing Jeanne D’Arc Credit Union VISA® Credit Cards are not eligible. A $5.00 Membership Account is required. 3Savings based on 1.99% APR for the first six months and 9.99% APR for remaining 30 months, on minimum payments of 2.00% of the outstanding balance over a 36-month period. After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness. |
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$5,000 credit card balance |
Interest paid using Competitor's Credit Card at 15.000% APR1 $1,978 |
Interest paid using your Jeanne D’Arc VISA® Credit Card2 $995 |
How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card3 $983 |
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$7,500 credit card balance |
Interest paid using Competitor's Credit Card at 15.000% APR1 $2,967 |
Interest paid using your Jeanne D’Arc VISA® Credit Card2 $1,492 |
How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card3 $1,475 |
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$10,000 credit card balance |
Interest paid using Competitor's Credit Card at 15.000% APR1 $3,957 |
Interest paid using your Jeanne D’Arc VISA® Credit Card2 $1,990 |
How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card3 $1,967 |
Credit Card FAQs
Yes. If you are not a member when applying for your credit card but are eligible to be one, you will be required to fill out a membership application when you apply for your credit card.
Simply fill out the application form with your information and our processors will evaluate your eligibility for approval.
Members can apply for up to two types of credit cards, including a VISA® Rewards, a VISA® Rate Card, MoneyStrong Build Visa® Credit Card, and MoneyStrong Rebuild Visa® Credit Card.
For our two credit card options, after your first six months rates are as low as 7.99% and up to 15.99%, depending on the program and creditworthiness.
Ready to change your financial future?
Disclosures
1The uChoose Double rewards offer is valid for members who have a Jeanne D’Arc Credit Union uChoose Rewards VISA® Credit Card. This offer is for eligible Grocery and Gas purchases made between October 1, 2023 and December 31, 2023. The grocery category excludes Warehouse/Club such Costco, BJ, and Sam’s Club.
2 APR=Annual Percentage Rate. As low as 1.99% APR for the first six (6) months after account opening. After the first six (6) months from the account opening date, your rate will be based on the program you choose and your credit worthiness subject to a maximum APR of 15.99%. Rates as of August 28, 2019 and are subject to change. Other fees and charges may include: Cash Advance Fee of 2.00% of transaction or $5.00 minimum, $50 maximum; Minimum Interest Charge of $0.50; International Transaction Fee is 1.00% of the amount of your transaction in U.S. dollars. Introductory rate is for new cards only. Balance transfers from existing Jeanne D’Arc Credit Union VISA® Credit Cards are not eligible. A $5.00 Membership Account is required.
3Money Strong Build and Rebuild Program: APR=Annual Percentage Rate. As low as 14.49% APR. Rates as of March 28, 2022 and are subject to change. Other fees and charges may include: Cash Advance Fee of 2.00% of transaction or $5.00 minimum, $50 maximum; Minimum Interest Charge of $0.50; International Transaction Fee is 1.00% of your transaction in U.S. dollars. A $5.00 Membership Account is required. Applicant must be a member for at least 3 months before being eligible to apply for a MoneyStrong Loan Product.
Other Visa Products available requiring qualified credit scores: APR=Annual Percentage Rate. As low as 1.99% APR for the first six (6) months after account opening. After the first six (6) months from the account opening date, your rate will be based on the program you choose and your credit worthiness subject to a maximum APR of 15.99%. Rates as of March 28, 2022 and are subject to change. Other fees and charges may include: Cash Advance Fee of 2.00% of transaction or $5.00 minimum, $50 maximum; Minimum Interest Charge of $0.50; International Transaction Fee is 1.00% of the amount of your transaction in U.S. Dollars. Introductory rate is for new cards only. Balance transfers from existing Jeanne D’Arc Credit Union VISA® Credit Cards are not eligible. A $5.00 Membership Account is required.