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Credit Cards

Reward yourself with a card that gives back

Apply for a credit card

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Traveling this summer?

 Let us know before you go! We will put a travel alert on your account to make sure your out-of-state or out-of-country spending doesn’t get flagged as fraud.

Contact our Member Contact Center at 978-452-5001 or send a message in the message center by logging into online banking or using our mobile app.

A Platinum VISA® Credit Card that’s right for you

Standard features on all our credit cards, designed to keep you moving forward:

  • Low introductory APR

    An introductory 1.99% APR3 for your first six (6) months

  • Fewer fees

    No annual fee and no balance transfer fee

  • Generous credit lines

    Credit lines up to $25,000

  • Online account management

    Paperless statements and automatic payment options

  • Mobile and online payment options

    Apple Pay™, Google Pay™, Samsung Pay™ and VISA® Checkout available

  • Purchase alerts

    Receive a text or email whenever your Jeanne D’Arc VISA® Credit Card is used at a qualifying merchant, to protect you from fraud. Sign up here.

CashBack Rewards Card

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Great for members who regularly use their credit card for daily purchases and pay off the card balance at the end of each month

Earn 1% cashback on every purchase and 2% cashback on special quarterly promotions.

You can earn unlimited cash back on your purchases, and the money will be credited to your Jeanne D’Arc VISA® Credit Card statement.

Quarterly Breakdown

Earning Period

10/1 - 12/31

1/1 – 3/31

4/1 – 6/30

7/1 – 9/30

You can also redeem earned cash before the quarter is over. When you reach $50, $75, $100 or $125 in earned cashback rewards, you can request that the cash be sent to you. Or, you can simply wait until the end of the quarter.

Earning Period

Reward Payout

10/1 - 12/31

Mid-January

1/1 – 3/31

Mid-April

4/1 – 6/30

Mid-July

7/1 – 9/30

Mid-October

Double your rewards

Rate Card

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Great for members who carry a balance from month to month

If you carry a balance from month to month, this card is for you. Get our lowest rate available, based on your personal credit history.

This is a simple, straightforward card for people who want to pay the least amount of interest possible.

Interest you could save over the first three years of using your new Jeanne D’Arc VISA® Credit Card

Interest paid using Competitor's Credit Card at 15.000% APR1

Interest paid using your Jeanne D’Arc VISA® Credit Card3

How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card

1Savings 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.

2APR=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 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.

$5000 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 Card3

$995

How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card

$983

$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 Card3

$1,492

How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card

$1,475

$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 Card3

$1,990

How much interest you’ve saved with your Jeanne D’Arc VISA® Credit Card

$1,967

Travel & Gift Rewards Card

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Great for members who are working toward a designated incentive

Reward yourself with air travel, hotel stays, outdoor adventures, gift cards, electronics, kitchenware, and more, by earning points each time you use your card.

Redeem your points from our Rewards Catalog for valuable merchandise or travel experiences. This is a great option for people who are working toward a designated incentive, such as Bluetooth® headphones or a new tablet, especially if you use your credit card regularly and pay off your balance at the end of each month. You’ll see a summary of your points on your credit card statement.

Credit Card FAQs

Yes. If you are not 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 are able to apply for up to three types of credit cards, including CashBack Rewards, Rate Card, and Travel & Gift Rewards.

For our three 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?

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Disclosures

1The Double Cashback offer is valid for members who have a Jeanne D’Arc Credit Union Cashback VISA Credit Card.   The Double Cashback period runs from July 1, 2021 through September 30, 2021. This offer is for eligible Travel and Entertainment purchases in the following categories: Airlines, Air Carriers, Car Rental Agencies; Lodging – Hotels, Motels, Resorts; Tourist Attractions & Exhibits; Public Golf Courses; Amusement Parks; Private Golf Courses; Sea Life Parks; Aquariums; Sports Clubs; Athletic Fields; Tour Buses; Travel Agencies; Eating Places & Restaurants; Drinking Places – Bars, Taverns, Pubs, etc.; Fast Food Restaurants.

2 The Double Rewards offer is valid for members who have a Jeanne D’Arc Credit Union Travel & Gifts Rewards VISA Credit Card. The Double Rewards period runs from July 1, 2021 through September 30, 2021.  This offer is for eligible Travel and Entertainment purchases in the following categories: Airlines, Air Carriers, Car Rental Agencies; Lodging – Hotels, Motels, Resorts; Tourist Attractions & Exhibits; Public Golf Courses; Amusement Parks; Private Golf Courses; Sea Life Parks; Aquariums; Sports Clubs; Athletic Fields; Tour Buses; Travel Agencies; Eating Places & Restaurants; Drinking Places – Bars, Taverns, Pubs, etc.; Fast Food Restaurants.

3 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 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.