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

121 Financial Credit Union Visa Platinum Rewards Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. 121 Financial Credit Union Visa Platinum Rewards Credit Card has a variable 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 oods if your credit score is above650.
Pros & Cons of 121 Financial Credit Union Visa Platinum Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere 121 Financial Credit Union Visa Platinum Rewards Credit Card is accepted.
  • 121 Financial Credit Union Visa Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
121 Financial Credit Union Visa Platinum Rewards Credit Card FAQ

Does 121 Financial Credit Union Visa Platinum Rewards Credit Card have a cash back or rewards program?

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

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

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does 121 Financial Credit Union Visa Platinum Rewards 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 Credit Union Visa Platinum Rewards Credit Card?

The following fees apply:

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

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 Credit Union Visa Platinum Rewards Credit Card?

The 121 Financial Credit Union Visa Platinum Rewards Credit Card customer service number is (800) 342-2352.

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

Yes, 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 may help improve your credit.

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 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...
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.

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

  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 days
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
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 11.99% - 17.90%
Balance Computation average daily balance (including new purchases).
Credit Limit Up to $500
Penalty APR (Variable APR) 17.90%
Purchase APR (Variable APR) 11.99% - 17.90%
Balance Transfer APR (Variable APR) 11.99% - 17.90%
Balance Transfer Fee Minimum $0
Card Type
  • Low Interest
  • Rewards
Card Network Visa

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