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  121 Financial Credit Union Visa Signature Credit Card

121 Financial Credit Union Visa Signature Credit Card

in Personal Credit Cards from 121 Financial Credit Union

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121 Financial Credit Union Visa Signature Credit Card

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in Personal Credit Cards from 121 Financial Credit Union

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 12.99% - 17.90%
Balance Transfer APR  (Variable APR) 12.99% - 17.90%
Credit Score Range 750 - 850

121 Financial Credit Union Visa Signature Credit Card Review

121 Financial Credit Union Visa Signature Credit Card is a rewards credit card issued by 121 Financial Credit Union. 

This card is for people with very good credit. You need a credit score of at least 750 to apply.

This card has a minimum credit limit of 5000.

If you're wondering whether 121 Financial Credit Union Visa Signature Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Pros & Cons of 121 Financial Credit Union Visa Signature Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty protection on purchases.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Earn rewards on every purchase.
  • 121 Financial Credit Union Visa Signature Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Is there a 121 Financial Credit Union Visa Signature Credit Card cash back or rewards program?

    121 Financial Credit Union Visa Signature Credit Card offers a rewards program to its customers.

    121 Financial Credit Union Visa Signature Credit Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    Does 121 Financial Credit Union Visa Signature Credit Card have a signup bonus?

    121 Financial Credit Union Visa Signature Credit Card doesn't offer a cash signup bonus.

    Does 121 Financial Credit Union Visa Signature Credit Card offer an annual loyalty bonus?

    121 Financial Credit Union Visa Signature Credit Card doesn't offer a cash loyalty bonus.

    What are the 121 Financial Credit Union Visa Signature Credit Card benefits?

    121 Financial Credit Union Visa Signature Credit Card provides the following benefits:

    • Auto Rental Collision Damage Waiver
    • Extended Warranty Protection
    • Zero fraud liability
    • Travel Accident Insurance
    • Travel Assistance
    • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 121 Financial Credit Union Visa Signature Credit Card has lower than average purchase APRs.

    121 Financial Credit Union Visa Signature Credit Card has a variable purchase APR that ranges from 12.99% up to 17.90%. The card has a variable balance transfer APR that ranges from 12.99% up to 17.90%. It also has a variable cash advance APR that ranges from 12.99% up to 17.90%. Note that late payments are subject to an APR of 17.90% 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 introductory APR offer?

    No, 121 Financial Credit Union Visa Signature Credit Card does not come with an introductory APR offer for balance transfers. 121 Financial Credit Union Visa Signature Credit Card does not offer an introductory rate on new purchases.
    121 Financial Credit Union Visa Signature Credit Card Balance Transfers
    Description
    Balance Transfer APR 12.99% - 17.90%
    Introductory Rate N/A
    Intro APR period (months) N/A
    121 Financial Credit Union Visa Signature Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 12.99% - 17.90%
    Credit Limit 5000
    Penalty APR 17.90%
    Cash Advance APR 12.99% - 17.90%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

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

    The following fees apply to 121 Financial Credit Union Visa Signature Credit Card:

    • There is no overlimit fee
    121 Financial Credit Union Visa Signature Credit Card Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Minimum Balance Transfer Fee $0
    Returned Payment Fee up to $25
    Late Payment Fee up to $25

    Does 121 Financial Credit Union Visa Signature Credit Card report your account activity to credit bureaus?

    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 can help improve your credit score.

    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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 5:00pm
    • Tuesday 8:30am - 5:00pm
    • Wednesday 9:00am - 5:00pm
    • Thursday 8:30am - 5:00pm
    • Friday 8:30am - 5:00pm
    • Saturday 9:00am - 12:00pm

    About 121 Financial Credit Union Visa Signature Credit Card

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    View all personal credit cards offered by 121 Financial Credit Union

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
      Available in 50 states and Washington, D.C.
    • 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

    Annual Fee $0
    Balance Transfer Fee Minimum $0
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Cash Advance Fee (%) 3%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $25
    Returned Payment Fee Up to $25
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Low Interest
    • Rewards
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Concierge
    • Extended Warranty Protection
    • Fraud Liability
    • Purchase Protection
    • Travel Accident Insurance
    • Travel Assistance
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Rewards Categories
    • Every Purchase
    Cash Advance APR (Variable APR) 12.99% - 17.90%
    Purchase APR (Variable APR) 12.99% - 17.90%
    Balance Computation average daily balance (including new purchases)
    Credit Limit 5000
    Penalty APR 17.90%
    Balance Transfer APR (Variable APR) 12.99% - 17.90%

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    Other Personal Credit Cards

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    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    121 Financial Credit Union Visa Platinum Secured Card
    Annual Fee $0 Annual Fee
    Purchase APR 14.4% Variable APR
    Balance Transfer APR 14.4% Variable APR
    Credit Score Range 300 - 850     300 850
    121 Financial Credit Union Visa Platinum Rewards Credit Card
    Annual Fee $0 Annual Fee
    Purchase APR 11.99% - 17.90%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 11.99% - 17.90%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 650 - 850     300 850