A Local Credit Card That's Truly Rewarding

   

Find the Card That's Perfect for You

Use our 121FCU Card Match tool to discover a credit card personalized for your needs and goals.

Compare All Cards

 
 
  • Points Rewards:
    Introductory Bonus
  • Everyday Rewards
  • Rewards: Points to Cash
  • APR Rate*
  • Balance Transfer Fee
  • Annual Fee
  • Minimum Payment
  • Min/Max Credit Lines
  • Over Limit Fee
  • Late Payment Fee
  • Cash Advance Fee
  • Foreign Transaction Fee
  • Points Expiration
  • Additional Features
  • Additional Features
  • Additional Features
  • Additional Features
VISA® SIGNATURE CARD
50,000 bonus points
  • Points Rewards:
    Introductory Bonus
    50,000 bonus points if $5,000 spent in 1st 90 days of card issuance
  • Everyday Rewards2 reward points for every $1 spent
  • Rewards: Points to CashApply to statement
  • APR Rate*as low as 16.24%
  • Balance Transfer FeeNone
  • Annual FeeNone
  • Minimum Payment2% or $25, whichever is greater
  • Min/Max Credit Lines$5,000-$50,000
  • Over Limit FeeNone
  • Late Payment FeeUp to $25 after 5 days
  • Cash Advance Fee$5 or 2%, whichever is greater
  • Foreign Transaction FeeNone
  • Points ExpirationNone
  • Additional Features24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional FeaturesOnline control - transactions, lock, request new card, etc.
  • Additional FeaturesGoogle Pay™, Apple Pay™, & Samsung Pay™
  • Additional FeaturesContactless Payments
VISA® CASH REWARDS
25,000 bonus points
  • Points Rewards:
    Introductory Bonus
    25,000 bonus points if $2,500 spent in 1st 90 days of card issuance
  • Everyday Rewards2 reward points for every $1 spent
  • Rewards: Points to CashApply to statement
  • APR Rate*as low as 16.49%
  • Balance Transfer FeeNone
  • Annual FeeNone
  • Minimum Payment2% or $25, whichever is greater
  • Min/Max Credit Lines$500 - $5,000
  • Over Limit FeeNone
  • Late Payment FeeUp to $25 after 5 days
  • Cash Advance Fee$5 or 2% whichever is greater
  • Foreign Transaction FeeNone
  • Points ExpirationNone
  • Additional Features24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional FeaturesOnline control - transactions, lock, request new card, etc.
  • Additional FeaturesGoogle Pay™, Apple Pay™, & Samsung Pay™
  • Additional FeaturesContactless Payments
VISA® PLATINUM
Lowest Variable APR*
  • Points Rewards:
    Introductory Bonus
    N/A
  • Everyday RewardsN/A
  • Rewards: Points to CashN/A
  • APR Rate*As low as 14.24%
  • Balance Transfer FeeNone
  • Annual FeeNone
  • Minimum Payment2% or $25, whichever is greater
  • Min/Max Credit Lines$500 - $25,000
  • Over Limit FeeNone
  • Late Payment FeeUp to $25 after 5 days
  • Cash Advance Fee$5 or 2%, whichever is greater
  • Foreign Transaction FeeNone
  • Points ExpirationNone
  • Additional Features24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional FeaturesOnline control - transactions, lock, request new card, etc.
  • Additional FeaturesGoogle Pay™, Apple Pay™, & Samsung Pay™
  • Additional FeaturesContactless Payments
VISA® PLATINUM SECURED
Build Credit using secured funds
  • Points Rewards:
    Introductory Bonus
    N/A
  • Everyday RewardsNo Points
  • Rewards: Points to CashNo Points
  • APR Rate*As low as 18.00%
  • Balance Transfer FeeN/A
  • Annual FeeNone
  • Minimum Payment2% or $25, whichever is greater
  • Min/Max Credit Lines$500 - $5,000 of your secured funds
  • Over Limit FeeNone
  • Late Payment FeeUp to $25 after 5 days
  • Cash Advance Fee$5 or 2%, whichever is greater
  • Foreign Transaction FeeNone
  • Points ExpirationNone
  • Additional Features24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional FeaturesOnline control - transactions, lock, request new card, etc.
  • Additional FeaturesGoogle Pay™, Apple Pay™, & Samsung Pay™
  • Additional FeaturesContactless Payments

ENJOY AMAZING PERKS LIKE:

LOWEST Variable APR*

Our cards have interest rates nearly HALF those of big banks, but with the same perks and rewards!

Contactless Payments

Use your card or your phone's digital wallet (Apple/Samsung/Google Pay) for fast, easy contactless payments.

Fees? What Are Those?

Yes, that's right: Enjoy the freedom of NO annual, over-limit, balance transfer, or foreign transaction fees! 

Pay With Points

Love shopping on Amazon? VISA® reward card members can pay with your credit card points.

Easy Card Controls

View transactions, add users, lock cards, report issues & more -- online or on your mobile phone.

24/7 Fraud Protection

Enjoy peace of mind with automated fraud detection, transaction monitoring, alerts, and Zero Fraud Liability.

Browse Popular Credit Card Options

Visa® Signature Rewards

Experience how rewarding life can be. With a credit card designed for your lifestyle, easily accommodate your spending needs with a generous credit line and maximum rewards points on all of your purchases.

50,000 Bonus Points if you spend $5,000 in first 90 days

Everyday Rewards: Earn 2 points or 2% cash back for every $1 spent

No foreign transaction fees, annual fees, or over-limit fees

Online card management & 24/7 automated fraud protection

Visa® Platinum

Does an incredibly low interest rate interest you? Then the 121FCU VISA® Platinum credit card needs to be in your wallet! Apply for the VISA® Platinum card online now to take advantage of low variable APR*, zero foreign transaction or balance transfer fees, zero annual fees, and so much more!

Enjoy APR* as low as 14.24%

No foreign transaction fees, annual fees, or over-limit fees

Online card management & 24/7 automated fraud protection

Visa® Cash Rewards

Earn money back on on everything you buy. On every purchase, our Visa® Cash Rewards card lets you rack up reward points. And with a credit card that’s not only accepted worldwide but also with no annual fee, it really pays to shop smart.

25,000 Bonus Points if you spend $2,500 in first 90 days

Everyday Rewards: Earn 2 points or 2% cash back for every $1 spent

No foreign transaction fees, annual fees, or over-limit fees

Online card management & 24/7 automated fraud protection

Visa® Secured

Take back your buying power with the Visa® Platinum Secured credit card. Whether you’re a first-time borrower or just wanting to start rebuilding your credit, the VISA® Platinum Secured card lets you back your line of credit with your 121 Financial savings account, making this the smart, safe way to build new credit or get your credit back on track.

Enjoy APR* as low as 18.00%

Build up your credit score and positive payment history fast

Credit lines from $500 to $5,000 of your secured funds

Online card management & 24/7 automated fraud protection

No foreign transaction fees, annual fees, or over-limit fees

FINANCIAL Resources

Payoff Calculator

*APR = Annual Percentage Rate.

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