At 121 Financial, we believe your credit card should reflect your individuality, and we offer a variety of card options depending on what your credit needs and history are. As bonus, all of our credit cards come with a low or no annual fee, and no transfer costs for members looking to shift existing balances to a new card with a lower interest rate.

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Visa SignatureVisa Platinum RewardsVisa Platinum Secured
Interest RateLow variable interest rate*Low variable interest rate*Non-variable interest rate*
Minimum Limit$5,000$500$500
Earn Rewards YesYesNo
Concierge Service Free Concierge Included**N/A
Annual Fee $0***$0
Foreign Transaction Fee NoneYesYes
Additional Benefits Full access to Visa® Signature
Concierge giving instant access
to dozens of benefits including:
travel, travel insurance, entertainment, and more!
N/AN/A
Updated March 29, 2017

Terms and Conditions

*This APR will vary with the market based on the Prime Rate; based on your creditworthiness.

**Cardholders are responsible for the cost of any goods or services purchased by the Visa® Signature Concierge on cardholder’s behalf.

***As of July 1, 2019, the $75 annual fee has been removed.


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