
121 Financial Credit Union Visa® Signature Credit Card
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Purchase APR (Variable APR) | 10.74% - 14.74% |
Balance Transfer APR (Variable APR) | 10.74% - 14.74% |
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. This review will provide you with with all the details you need to make a good choice.
- 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.
- Competitive APRs. 121 Financial Credit Union Visa® Signature Credit Card has a variable purchase APR that ranges from 10.74% up to 14.74%.
- 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.
- 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.
The Good | The Bad |
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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 (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 that ranges from 10.74% up to 14.74%. The card has a variable balance transfer APR that ranges from 10.74% up to 14.74%. It also has a variable cash advance APR that ranges from 10.74% up to 14.74%. 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?
No, it does not come with an intro APR offer for balance transfers.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 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.
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 - Visit Site
- Email Support
About 121 Financial Credit Union Visa® Signature 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
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 |
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 3% |
Minimum Cash Advance Fee ($) | $10 - $500 |
Returned Payment Fee | Up to $25 |
Paper Statement Fee | $5 |
Late Fee Amount | Up to $25 |
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