
121 Financial Credit Union Visa® Platinum Secured Credit Card
in Personal Credit Cards from 121 Financial Credit Union
Unaffiliated121 Financial Credit Union Visa® Platinum Secured Credit Card
in Personal Credit Cards from 121 Financial Credit Union
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Purchase APR (Variable APR) | 15.24% |
Balance Transfer APR (Variable APR) | 15.24% |
Credit Score Range | 300 - 850 |
Annual Fee | Starting at $25 |
121 Financial Credit Union Visa® Platinum Secured Credit Card Review
121 Financial Credit Union Visa® Platinum Secured Credit Card is a secured credit card credit card issued by 121 Financial Credit Union. If you're wondering whether 121 Financial Credit Union Visa® Platinum Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. 121 Financial Credit Union Visa® Platinum Secured Credit Card has a variable purchase APR of 15.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- 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 qualify.
The Good | The Bad |
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Is there a 121 Financial Credit Union Visa® Platinum Secured Credit Card cash back or rewards program?
No, 121 Financial Credit Union Visa® Platinum Secured Credit Card does not offer a rewards program.
What are the 121 Financial Credit Union Visa® Platinum Secured Credit Card benefits?
121 Financial Credit Union Visa® Platinum Secured Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for 121 Financial Credit Union Visa® Platinum Secured Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 121 Financial Credit Union Visa® Platinum Secured Credit Card has lower than average purchase APRs.121 Financial Credit Union Visa® Platinum Secured Credit Card has a variable purchase APR of 15.24%. The card has a variable balance transfer APR of 15.24% . It also has a variable cash advance APR of 15.24% . Note that late payments are subject to an APR of 17.9% 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 Secured Credit Card have an introductory APR offer on balance transfers?
No, 121 Financial Credit Union Visa® Platinum Secured Credit Card does not come with an introductory APR offer for balance transfers.Does 121 Financial Credit Union Visa® Platinum Secured Credit Card have an introductory APR offer on new purchases?
121 Financial Credit Union Visa® Platinum Secured Credit Card does not offer an introductory rate on new purchases.Description |
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What are the fees for 121 Financial Credit Union Visa® Platinum Secured Credit Card?
The following fees apply to 121 Financial Credit Union Visa® Platinum Secured Credit Card:
- There is no overlimit fee
Fees | Amount |
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Annual Fee | N/A |
Overlimit Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $25 |
Does 121 Financial Credit Union Visa® Platinum Secured Credit Card have a foreign transaction fee?
121 Financial Credit Union Visa® Platinum Secured Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does 121 Financial Credit Union Visa® Platinum Secured Credit Card report your account activity to credit bureaus?
Yes, 121 Financial Credit Union Visa® Platinum Secured 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 Secured Credit Card
- Visit the 121 Financial Credit Union Visa® Platinum Secured 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
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701 Riverside Park Place
Jacksonville, FL 32204 - (800) 342-2352
- Visit Site
About 121 Financial Credit Union Visa® Platinum Secured Credit Card

Availability
- 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
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | 2% |
Minimum Cash Advance Fee ($) | Starting at $5 |
Foreign Currency Transaction Fee | 1% |
Annual Fee | Starting at $25 |
Returned Payment Fee | Up to $25 |
Paper Statement Fee | $5 |
Late Fee Amount | Up to $25 |
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