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)
8.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
8.99%(Verified 06/21/2024)
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Credit Score Range
300 - 550
Annual Fee
$0
121 Financial CU Visa® Platinum Credit Card Review
This is a secured 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.
Key Takeaways
- APRs: 121 Financial CU Visa® Platinum Credit Card has a variable regular purchase APR of 8.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
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?
No, it does not offer a rewards program.
| Description |
- 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 of 8.99%. The card has a variable balance transfer APR of 8.99% . It also has a variable cash advance APR of 8.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does 121 Financial CU Visa® Platinum Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.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.
Hours of Operation
Sunday
Closed
Monday
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Tuesday
Invalid DateTime - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
Invalid DateTime - 5:00PM
Friday
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Saturday
9:00AM - 12:00PM