121 Financial CU Visa Platinum Credit Card

121 Financial CU Visa Platinum Credit Card Review

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

• Competitive APRs. 121 Financial CU Visa Platinum 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 odds if your credit score is above 650.

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Cardholders can earn rewards on purchases everywhere 121 Financial CU Visa Platinum Credit Card is accepted. 121 Financial CU Visa Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not include many credit card benefits.

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.

121 Financial CU Visa Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the 121 Financial CU Visa Platinum Credit Card benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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.

What are the fees for 121 Financial CU Visa Platinum Credit Card?

The following fees apply:

• There is no overlimit fee

121 Financial CU Visa Platinum 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.

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

Yes, 121 Financial CU Visa Platinum 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 CU Visa Platinum Credit Card

• Visit the 121 Financial CU Visa Platinum 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.