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
Potentially lower than average purchase APRs. No annual fee. Access to a concierge. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on their purchases. 121 Financial Credit Union Visa® Signature Credit Card reports to multiple credit bureaus.

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.

121 Financial Credit Union Visa® Signature Credit Card Rewards

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

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.

What are the fees for 121 Financial Credit Union Visa® Signature Credit Card?

The following fees apply:

• There is no overlimit fee

121 Financial Credit Union Visa® Signature Credit Card Fees

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 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.