Last Updated: 07/28/2025
121 Financial CU Visa Platinum Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.99% - 17.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.99% - 17.90%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
121 Financial CU Visa Platinum Credit Card Review
This is a rewards card issued by 121 Financial Credit Union. If you're wondering whether 121 Financial CU Visa Platinum Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
- APRs: 121 Financial CU Visa Platinum Credit Card has a variable regular purchase APR that ranges from 11.99% up to 17.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you 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 will have good approval odds if you have a fair credit score or better.
Pros & Cons of 121 Financial CU Visa Platinum Credit Card
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121 Financial CU Visa Platinum Credit Card FAQ
Does 121 Financial CU Visa Platinum Credit Card have a cash back or rewards program?
121 Financial CU Visa Platinum Credit Card is a rewards card.
| Description |
Does 121 Financial CU Visa Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does 121 Financial CU Visa Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the 121 Financial CU Visa Platinum Credit Card benefits?
121 Financial CU Visa Platinum Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for 121 Financial CU Visa Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.121 Financial CU Visa Platinum 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 CU Visa Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does 121 Financial CU Visa Platinum Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for 121 Financial CU Visa Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for 121 Financial CU Visa Platinum Credit Card?
The customer service number for 121 Financial CU Visa Platinum Credit Card is (800) 342-2352.
What is the support contact email for 121 Financial CU Visa Platinum Credit Card?
The support contact email for 121 Financial CU Visa Platinum Credit Card is ask121@121fcu.org.
How do people rate the customer service and user experience of 121 Financial CU Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does 121 Financial CU Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, 121 Financial CU Visa Platinum Credit Card reports to the following credit bureaus:
- 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 may help build your credit.
Does 121 Financial Credit Union perform a hard credit pull?
Yes, 121 Financial CU Visa Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for 121 Financial CU Visa Platinum Credit Card
- Visit the website of 121 Financial CU Visa Platinum Credit Card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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