Your Hometown Credit Card:
Spend Anywhere, Invest in Jax
All the purchasing power, rewards, and flexibility of a Big bank card — but with 100% investment back into our Community

   

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.

ENJOY AMAZING PERKS LIKE:

LOWEST Variable APR*

Our interest rates are nearly HALF that of big banks with all 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?

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 points! (starting December 2021)

Easy Card Controls

View transactions, add users, lock cards, report issues & more. 

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 within the first 90 days

Earn 3% cash back on all travel purchases through 12/31/21

1.99% APR* for 15 months on balance transfers made within the first 60 days

Every Day 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 8.99%

1.99% APR for 15 months on balance transfers made within the first 60 days

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 within the first 90 days

Earn 3% cash back on all travel purchases through 12/31/21

1.99% APR* for 15 months on balance transfers made within the first 60 days

Every Day 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 15.74%

Build up your credit score and positive payment history fast

Credit lines from $500 to $10,000 of your secured funds

Online card management & 24/7 automated fraud protection

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

Compare All Cards

 
 
  • Introductory Spend Offer
  • Into. Balance Transfer Bonus
  • 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
  • Introductory Spend Offer 3% back on travel purchases through 12/31/21
  • Into. Balance Transfer Bonus 1.99% APR* for 15 months on transfers done within the first 60 days of card issuance
  • Rewards: Introductory Bonus 50,000 bonus points if $5,000 spent in 1st 90 days of card issuance
  • Everyday Rewards 2 reward points for every $1 spent
  • Rewards: Points to Cash Apply to statement
  • APR Rate* as low as 11.24%
  • Balance Transfer Fee None
  • Annual Fee None
  • Minimum Payment 2% or $25, whichever is greater
  • Min/Max Credit Lines $5,000-$50,000
  • Over Limit Fee None
  • Late Payment Fee Up to $25 after 5 days
  • Cash Advance Fee $5 or 2%, whichever is greater
  • Foreign Transaction Fee None
  • Points Expiration None
  • Additional Features 24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional Features Online control - transactions, lock, request new card, etc.
  • Additional Features Google Pay™, Apple Pay™, & Samsung Pay™
  • Additional Features Contactless Payments
VISA® CASH REWARDS
25,000 bonus points
  • Introductory Spend Offer 3% back on travel purchases through 12/31/21
  • Into. Balance Transfer Bonus 1.99% APR* for 15 months on transfers done within the first 60 days of card issuance
  • Rewards: Introductory Bonus 25,000 bonus points if $2,500 spent in 1st 90 days of card issuance
  • Everyday Rewards 2 reward points for every $1 spent
  • Rewards: Points to Cash Apply to statement
  • APR Rate* as low as 11.24%
  • Balance Transfer Fee None
  • Annual Fee None
  • Minimum Payment 2% or $25, whichever is greater
  • Min/Max Credit Lines $500 - $5,000
  • Over Limit Fee None
  • Late Payment Fee Up to $25 after 5 days
  • Cash Advance Fee $5 or 2% whichever is greater
  • Foreign Transaction Fee None
  • Points Expiration None
  • Additional Features 24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional Features Online control - transactions, lock, request new card, etc.
  • Additional Features Google Pay™, Apple Pay™, & Samsung Pay™
  • Additional Features Contactless Payments
VISA® PLATINUM
Lowest Variable APR*
  • Introductory Spend Offer N/A
  • Into. Balance Transfer Bonus 1.99% APR* for 15 months on transfers done within the first 60 days of card issuance
  • Rewards: Introductory Bonus N/A
  • Everyday Rewards N/A
  • Rewards: Points to Cash N/A
  • APR Rate* As low as 8.99%
  • Balance Transfer Fee None
  • Annual Fee None
  • Minimum Payment 2% or $25, whichever is greater
  • Min/Max Credit Lines $500 - $25,000
  • Over Limit Fee None
  • Late Payment Fee Up to $25 after 5 days
  • Cash Advance Fee $5 or 2%, whichever is greater
  • Foreign Transaction Fee None
  • Points Expiration None
  • Additional Features 24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional Features Online control - transactions, lock, request new card, etc.
  • Additional Features Google Pay™, Apple Pay™, & Samsung Pay™
  • Additional Features Contactless Payments
VISA® PLATINUM SECURED
Build Credit using secured funds
  • Introductory Spend Offer N/A
  • Into. Balance Transfer Bonus N/A
  • Rewards: Introductory Bonus N/A
  • Everyday Rewards No Points
  • Rewards: Points to Cash No Points
  • APR Rate* As low as 15.74%
  • Balance Transfer Fee N/A
  • Annual Fee None
  • Minimum Payment 2% or $25, whichever is greater
  • Min/Max Credit Lines $500 - $10,000 of your secured funds
  • Over Limit Fee None
  • Late Payment Fee Up to $25 after 5 days
  • Cash Advance Fee $5 or 2%, whichever is greater
  • Foreign Transaction Fee None
  • Points Expiration None
  • Additional Features 24/7 Fraud Monitoring & Alerts, $0 liability
  • Additional Features Online control - transactions, lock, request new card, etc.
  • Additional Features Google Pay™, Apple Pay™, & Samsung Pay™
  • Additional Features Contactless Payments

*APR = Annual Percentage Rate. The intro rate does not apply to cash advances. Your account’s APR will vary with the market based on the Prime Rate; based on your creditworthiness. Be sure to read our disclosure carefully before applying.

FINANCIAL Resources

Payoff Calculator

cdfi
121fcu ncua
equal housing lender Jacksonville
SBA-LenderDecal-FINAL

Upcoming Events

Scroll to Top Skip to content