Features
- Use your card in Jamaican or US dollars
- Instant access to credit
- Annual fee – J$7, 500
- Interest rate 45%
- EAIR 55.55%
- Secured by EMV technology
- Contactless card
Benefits
- Emergency card replacement
- Discounts from almost 200 JN partner merchants
See list of merchants here - Earn JN Rewards points every time you spend and redeem them for great benefits
- Access to online banking using JN LIVE
- 10% discount on JAA membership
- Price protection of up to US$400
- Purchase protection of up to US$1,000
- Extended warranty of up to US$5,000
Pay lower interest and fees.
Pay lower interest and fees. Spend in confidence! Your card is protected by the best EMV smart card technology Click here to access application forms. For additional information view terms and conditions.
Requirements
- You must be 18 years or older
- Valid identification: driver’s licence, passport, voter registration card
- Proof of address: utility bill, credit card statement or bank statement
- Tax Registration Number or driver’s licence (Jamaican), Social Security Number (US resident), Social Insurance Number (Canadian Resident), National Insurance Number (NIN)
- Proof of income: income verification letter or completed JN Bank income verification form, last two months pay slips
- Completed statement of affairs form: income and expenditure and statement
- Completed Credit Bureau Report forms
Frequently Asked Questions
What’s the difference between JN Visa Gold and JN Visa Classic?
Your JN Visa Classic Card is an internationally accepted credit card offering competitive interest rates. Your JN Visa Gold Card is also an internationally accepted card, but offers many more benefits than your JN Visa Classic, including auto rental insurance. And, the credit limit on your JN Visa Gold is much higher than your JN Visa Classic.
What rewards can I receive from my JN Credit Card?
Your JN Credit Card allows you to earn points when you shop. Sign up at www.jnrewards.com to start earning. You also can access discounts of 5%- 20% for participating discount partners by showing or swiping your credit card. Visit https://partners.jnrewards.com/stores/ for complete list of partners.
What is a cash advance?
A cash Advance allows you to withdraw cash from any ATM bearing the Visa, Master Card, Plus or Cirrus logos. JN Bank VISA Credit Card holders can access 15% of their credit limit or available balance whichever is less to a maximum of $50,000.00. Only 2 cash advances per billing cycle is permitted.
Can I make my credit card payments online?
It’s always convenient to bank with JN. You can make your credit card payments from your JN account using our online banking platform LIVE by JN. If you haven’t registered, you may do so by visiting www.jnbslive.com. There is no charge to make your payments!
