
121 Financial Credit Union Visa® Signature Credit Card
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Purchase APR (Variable APR) |
Starting at 14.24% (Verified 10/24/2022) |
Balance Transfer APR (Variable APR) |
Starting at 14.24% (Verified 10/24/2022) |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
121 Financial Credit Union Visa® Signature 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® Signature Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- Signup bonus. Offers a signup bonus of 20000 points after spending $5,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of 121 Financial Credit Union Visa® Signature Credit Card
The Good | The Bad |
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121 Financial Credit Union Visa® Signature Credit Card FAQ
Does 121 Financial Credit Union Visa® Signature Credit Card have a cash back or rewards program?
121 Financial Credit Union Visa® Signature Credit Card is a travel rewards card.
Minimum rewards rate | 1.25x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 20000 |
Signup Bonus Spend Requirement | $5000 |
Signup Bonus Spend Period (months) | 3 months |
Does 121 Financial Credit Union Visa® Signature Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.Does 121 Financial Credit Union Visa® Signature Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the 121 Financial Credit Union Visa® Signature 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® Signature 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 Credit Union Visa® Signature Credit Card has a variable purchase APR starting at 14.24% . The card has a variable balance transfer APR starting at 14.24% . It also has a variable cash advance APR starting at 14.24% . 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® Signature Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 0% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | Starting at 14.24% |
Balance Transfer Fee Minimum | $0 |
Balance Transfer Fee % | 0% |
Does 121 Financial Credit Union Visa® Signature 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® Signature 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 rewards card.
Does 121 Financial Credit Union Visa® Signature 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 Credit Union Visa® Signature Credit Card?
The 121 Financial Credit Union Visa® Signature Credit Card customer service number is (800) 342-2352.
What is the support contact email for 121 Financial Credit Union Visa® Signature Credit Card?
The support contact email for 121 Financial Credit Union Visa® Signature Credit Card is ask121@121fcu.org.
What is the 121 Financial Credit Union Visa® Signature Credit Card login page?
You can access the 121 Financial Credit Union Visa® Signature Credit Card login page here.
How do people rate the customer service and user experience of 121 Financial Credit Union Visa® Signature Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does 121 Financial Credit Union Visa® Signature Credit Card report your account activity to credit bureaus?
Yes, 121 Financial Credit Union Visa® Signature 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® Signature Credit Card
- Visit the 121 Financial Credit Union Visa® Signature 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 Credit Union Visa® Signature Credit Card
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 3% |
Minimum Cash Advance Fee ($) | $10 - $500 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $25 |
Paper Statement Fee | $5 |
Late Fee Amount | Up to $25 |
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