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Justice FCU Visa Signature® Credit Card

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You’ll get a long 0% interest rate on purchases, balance transfers, and cash advances with no fee on balance transfers. You must either work in or be a family member of somebody who works in the homeland security, justice, or law enforcement community. You must have a savings account with Justice FCU in order to apply for the card.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 10.15%–18.00% Variable
Intro Balance Transfer APR: 0% for 6 months
Intro Purchase APR: 0% for 6 months

Justice FCU Visa Signature® Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 1.5% cash back on all purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 6 months
Regular Balance Transfer APR 10.15%–18.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $27
Returned Payment Fee Up to $27
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 10.15%–18.00% Variable
Cash Advance Fee 2%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
Justice FCU Visa Signature® Credit Card


  • 1.5% cash back on all purchases
  • 0% APR for 6 months on purchases, balance transfers, and cash advances, then 10.15%–18.00% Variable
  • Visa Zero Liability
  • Visa Signature Concierge
  • No foreign transaction fee
  • No balance transfer fee
  • No annual fee

Justice Federal Credit Union

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The Visa Signature Card from Justice Federal Credit Union is a good candidate if you work in law enforcement or homeland security and you’re dealing with high-interest debt on another credit card.

You’ll get a 0% APR for 6 months on purchases, balance transfers, and cash advances. After that your APR will be 10.15%–18.00% Variable. There’s also no balance transfer fee, a rare find on credit cards, so this could be an ideal option if you’re stuck with some debt at a high interest rate on another card.

Although there’s no signup bonus, this card rewards you with 1.5% cash back on every purchase, and you’ll get Visa Concierge services to boot.

To be eligible for this card, you must be a member of certain law enforcement or homeland security organizations, or certain companies. You can check eligibility here. You also must be a member of Justice Federal Credit Union to apply for this card, but it’s as simple as opening a savings account online and throwing at least five dollars into it.

This card has no annual or foreign transaction fees.

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