
121 Financial CU Visa® Platinum Credit Card
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Purchase APR (Variable APR) |
8.99% (Verified 09/07/2022) |
Balance Transfer APR (Variable APR) |
8.99% (Verified 09/07/2022) |
Credit Score Range | 300 - 550 |
Annual Fee | $0 |
121 Financial CU Visa® Platinum Credit Card Review
This is a secured credit card 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
- Competitive APRs. 121 Financial CU Visa® Platinum Credit Card has a variable 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 qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
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.
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 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?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction 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 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 121 Financial CU Visa® Platinum Credit Card customer service number 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.
What is the 121 Financial CU Visa® Platinum Credit Card login page?
You can access the 121 Financial CU Visa® Platinum Credit Card login page here.
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 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.
Contact
- Headquarters
-
701 Riverside Park Place
Jacksonville, FL 32204 USA - (800) 342-2352
- Visit Site
- Email Support
About 121 Financial CU Visa® Platinum Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | Up to 2% |
Minimum Cash Advance Fee ($) | Starting at $5 |
Foreign Currency Transaction Fee | 0% |
Annual Fee | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 0 days |
Returned Payment Fee | Up to $25 |
Paper Statement Fee | $5 |
Late Fee Amount | Up to $25 |
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