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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

Unaffiliated

in Personal Credit Cards from 121 Financial Credit Union

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

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.  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.

  • Competitive APRs. 121 Financial Credit Union Visa Platinum Rewards Credit Card has a variable purchase APR of up to 17.90%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • Accepts cosigners. 121 Financial Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Earn rewards on every purchase.
  • 121 Financial Credit Union Visa Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Does not include many credit card rewards.

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:

  • Zero fraud liability
  • Reports to major credit bureaus

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 121 Financial Credit Union Visa Platinum Rewards Credit Card has lower than average purchase APRs.

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 on balance transfers??

No, 121 Financial Credit Union Visa Platinum Rewards Credit Card does not come with an introductory APR offer for balance transfers.

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

121 Financial Credit Union Visa Platinum Rewards Credit Card does not offer an introductory rate on new purchases.

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 Visa Platinum Rewards Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • 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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View all personal credit cards offered by 121 Financial Credit Union

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

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

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

121 Financial Credit Union Visa Platinum Secured Card
Balance Transfer APR 14.4% Variable APR
Credit Score Range 300 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.4% Variable APR
121 Financial Credit Union Visa Signature Credit Card
Balance Transfer APR 12.99% - 17.90%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 750 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 12.99% - 17.90%
(Variable APR)
    0% 36% Variable APR