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  121 Financial Credit Union Visa Platinum Rewards Credit Card

121 Financial Credit Union Visa Platinum Rewards Credit Card

in Personal Credit Cards from 121 Financial Credit Union

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121 Financial Credit Union Visa Platinum Rewards Credit Card

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in Personal Credit Cards from 121 Financial Credit Union

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 11.99% - 17.90%
Balance Transfer APR  (Variable APR) 11.99% - 17.90%
Credit Score Range 650 - 850

121 Financial Credit Union Visa Platinum Rewards Credit Card Review

121 Financial Credit Union Visa Platinum Rewards Credit Card is a rewards credit card issued by 121 Financial Credit Union. 

This card is designed for people with fair credit. The minimum credit score to apply is 650. 121 Financial Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

This card has a minimum credit limit of 500.

If you're wondering whether 121 Financial Credit Union Visa Platinum Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a 121 Financial Credit Union Visa Platinum Rewards Credit Card cash back or rewards program?

121 Financial Credit Union Visa Platinum Rewards Credit Card offers a rewards program to its customers.

121 Financial Credit Union Visa Platinum Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does 121 Financial Credit Union Visa Platinum Rewards Credit Card have a signup bonus?

121 Financial Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash signup bonus.

Does 121 Financial Credit Union Visa Platinum Rewards Credit Card offer an annual loyalty bonus?

121 Financial Credit Union Visa Platinum Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the 121 Financial Credit Union Visa Platinum Rewards Credit Card benefits?

121 Financial Credit Union Visa Platinum Rewards Credit Card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What are the relevant APRs for 121 Financial Credit Union Visa Platinum Rewards Credit Card?

121 Financial Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR that ranges from 11.99% up to 17.90%. The card has a variable balance transfer APR that ranges from 11.99% up to 17.90%.

It also has a variable cash advance APR that ranges from 11.99% up to 17.90%. Note that late payments are subject to an APR of 17.90% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does 121 Financial Credit Union Visa Platinum Rewards Credit Card have an introductory APR offer?

No, 121 Financial Credit Union Visa Platinum Rewards Credit Card does not come with an introductory APR offer for balance transfers. 121 Financial Credit Union Visa Platinum Rewards Credit Card does not offer an introductory rate on new purchases.
121 Financial Credit Union Visa Platinum Rewards Credit Card Balance Transfers
Description
Balance Transfer APR 11.99% - 17.90%
Introductory Rate N/A
Intro APR period (months) N/A
121 Financial Credit Union Visa Platinum Rewards Credit Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases).
Purchase APR 11.99% - 17.90%
Credit Limit 500
Penalty APR 17.90%
Cash Advance APR 11.99% - 17.90%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

What are the 121 Financial Credit Union Visa Platinum Rewards Credit Card fees?

The following fees apply to 121 Financial Credit Union Visa Platinum Rewards Credit Card:

  • There is no overlimit fee
121 Financial Credit Union Visa Platinum Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Minimum Balance Transfer Fee $0
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does 121 Financial Credit Union Visa Platinum Rewards Credit Card report your account activity to credit bureaus?

121 Financial Credit Union Visa Platinum Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for 121 Financial Credit Union Visa Platinum Rewards Credit Card

  • Visit the 121 Financial Credit Union website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday 9:00am - 12:00pm

About 121 Financial Credit Union Visa Platinum Rewards Credit Card

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
Balance Transfer Fee Minimum $0
No Annual Fee  
No Interest Grace Period for Late Payment 25
Over-Limit Fee $0
Cash Advance Fee (%) 2%
Cash Advance Fee Minimum $5
Late Fee Amount Up to $25
Returned Payment Fee Up to $25
Co-signing Allowed  
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range 650 - 850
Card Network
  • Visa
Card Type
  • Low Interest
  • Rewards
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Fraud Liability  
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 11.99% - 17.90%
Purchase APR (Variable APR) 11.99% - 17.90%
Balance Computation average daily balance (including new purchases).
Credit Limit 500
Penalty APR 17.90%
Balance Transfer APR (Variable APR) 11.99% - 17.90%

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121 Financial Credit Union Personal Credit Cards

Product

Reviews

Annual Fee

Purchase APR

Balance Transfer APR

Credit Score Range

121 Financial Credit Union Visa Platinum Secured Card
Annual Fee $0 Annual Fee
Purchase APR 14.4% Variable APR
Balance Transfer APR 14.4% Variable APR
Credit Score Range 300 - 850     300 850
121 Financial Credit Union Visa Signature Credit Card
Annual Fee $0 Annual Fee
Purchase APR 12.99% - 17.90%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 12.99% - 17.90%
(Variable APR)
    8% 29% Variable APR
Credit Score Range 750 - 850     300 850