121 FCU Visa Cash Rewards Credit Card Review

Overview

The 121 FCU Visa Cash Rewards offered by 121 Financial Credit Union of Jacksonville, FL is an excellent credit card with a rating of 4/5. People with a credit score between 630 and 689 can easily qualify for this credit card provided they have enough income to prove that they can pay back.

Does it offer Cashback?

No, it doesn't offer cashback.

Does it offer Miles?

No, it doesn't offer miles.

Does it offer Points?

Yes, it offers points.

What kind of rewards it offers?

The 121 FCU Visa Cash Rewards offers 2 points per dollar spend. In plain english, you earn $2 for every $100 spent. If you spend $5,000 per year using this card you can earn $100 worth points. It also offers 25,000 bonus points if $2,500 is spent in 1st 90 days of card issuance.

Is there an annual fee?

The 121 FCU Visa Cash Rewards doesn't have an annual fee.

How much interest it charges?

The 121 FCU Visa Cash Rewards charges 11% APR. Lesser qualified customers may have to pay as high as 0% APR.

What is the balance transfer rate?

The 121 FCU Visa Cash Rewards charges 11% APR for balance transfer. It also has 2% intro APR for blanace transfers. The intro rate is good for 15 months for transfers made in the first 60 days. There is no balance transfer fee.

Is there a foreign transaction fee?

The 121 FCU Visa Cash Rewards doesn't charge a foreign transaction fee.

Is there a cash advance fee?

The 121 FCU Visa Cash Rewards charges a minimum of $5 for any cash advances. The maximum cash advance fee is 2%.

What type of credit is required?

Your credit score should be between 630 and 689. It means if you are building your credit, you can qualify for 121 FCU Visa Cash Rewards.

What type of credit limt I can get?

121 FCU Visa Cash Rewards comes with a credit limit of $500 - $5,000.

Card Security

Does it offer free fraud monitoring?

Yes

Does it offer free card lock?

Yes

Does it offer free online control?

Yes

Does it work with Apple Pay?

Yes

Does it work with Google Pay?

Yes

Does it work with Samsung Pay?

Yes

Does it offer Contactless Payments?

Yes

Card Benefits

Does it offer Zero Liability?

Yes, If an unauthorized purchase is made on your card you won't be held responsible. It doesn't matter if the card was lost, stolen or fraudulently used, you will be covered.

Does it offer Roadside Dispatch?

Yes, As a card holder, you will pay a pre-determined price if you need roadside assistance.

Does it offer Lost or Stolen Card Reporting?

Yes, If you lose your card you can get it replaced for free.

Does it offer Travel and Emergency Assistance Services?

No, While traveling if there is an emergency and you had used card to make the booking you will get free services such as medical referrals, ambulance, perscription delivery, legal referrals, messaging, lost luggage locator, and transalation services.

Does it offer Emergency Card Replacement?

Yes, You can get your card replaced within 24 - 72 hours anywhere in the world.

Does it offer Emergency Cash Disbursement?

Yes, card holders can get emergency cash wired to them via Western Union within 2 hours of approval from your bank.

Does it offer Extended Warranty Protection?

No, This card doesn't offer Extended Warranty Protection.

Does it offer Auto Rental Collision Damage Waiver?

No, This card doesn't offer Auto Rental Collision Damage Waiver.

Does it offer Lost Luggage Reimbursement?

No, This card doesn't offerLost Luggage Reimbursement.

Does it offer Global Entry Statement Credit?

No, This card doesn't offer Global Entry Statement Credit.

Does it offer Trip Delay Reimbursement?

No, This card doesn't offerTrip Delay Reimbursement.

Does it offer Trip Cancellation / Trip Interruption Reimbursement?

No, This card doesn't offer Trip Cancellation / Trip Interruption Reimbursement.

Does it offer Airline Incidental Fees?

No, This card doesn't offer Airline Incidental Fee.

Does it offer Travel Accident Insurance?

No, This card doesn't offer Travel Accident Insurance.

Does it offer Airport Lounge Access?

No, This card doesn't offer Airport Lounge Access.

Does it offer Baggage Delay Reimbursement?

No, This card doesn't offer Baggage Delay Reimbursement.

Does it offer Winemaker / Food Events?

No, This card doesn't offer Winemaker / Food Events in the Sonoma county.

Does it offer Hotel Theft Protection?

No, This card doesn't offer Hotel Theft Protection.

Does it offer Cell Phone Protection?

No, This card doesn't offer Cell Phone Protection.

Does it offer Emergency Medical / Dental?

No, This card doesn't offer Emergency Medical / Dental.

Does it offer Price Protection?

No, This card doesn't offer Price Protection.

Does it offer Emergency Evacuation?

No, This card doesn't offer Emergency Evacuation.

Does it offer Return Protection?

No, This card doesn't offer Return Protection.

Does it offer Purchase Security?

No, This card doesn't offer Purchase Security.

Conclusion

The 121 FCU Visa Cash Rewards offered by 121 Financial Credit Union is a good option if you are residing in Jacksonville, Jacksonville Beach, Middleburg. It is a great card for daily expenses, shopping and travel. You can also pay your co-parenting expenses with 121 FCU Visa Cash Rewards.

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