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.
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!
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.
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.
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
- Introductory Spend Offer3% back on travel purchases through 12/31/21
- Into. Balance Transfer Bonus1.99% APR* for 15 months on transfers done within the first 60 days of card issuance
- Rewards: Introductory Bonus50,000 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 11.24%
- 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
- Introductory Spend Offer3% back on travel purchases through 12/31/21
- Into. Balance Transfer Bonus1.99% APR* for 15 months on transfers done within the first 60 days of card issuance
- Rewards: Introductory Bonus25,000 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 11.24%
- 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
- Introductory Spend OfferN/A
- Into. Balance Transfer Bonus1.99% APR* for 15 months on transfers done within the first 60 days of card issuance
- Rewards: Introductory BonusN/A
- Everyday RewardsN/A
- Rewards: Points to CashN/A
- APR Rate*As low as 8.99%
- 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
- Introductory Spend OfferN/A
- Into. Balance Transfer BonusN/A
- Rewards: Introductory BonusN/A
- Everyday RewardsNo Points
- Rewards: Points to CashNo Points
- APR Rate*As low as 15.74%
- Balance Transfer FeeN/A
- Annual FeeNone
- Minimum Payment2% or $25, whichever is greater
- Min/Max Credit Lines$500 - $10,000 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
*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.
