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| Rating | ||
| Issuer | 121 Financial Credit Union | America First Credit Union |
| Card Type | Business | Consumer |
| Rewards | 1 Points / $1 spent. Special Offer: None |
1 Points / $1 spent. Special Offer: None |
| Credit Score | 630 - 850 | 350 - 689 |
| Line of Credit | $5,000 - $100,000 | $300 - $5,000 |
| Annual Fee | Intro $0, $0 after | Intro $0, $0 after |
| APR | Intro 10%, 10% after | Intro 9.74%, 9.74% after |
| Balance Transfer | Intro 12% for N/A, 12% after | Intro 9.74% for 12 Months, 9.74% after |
| Balance Transfer Fee | 0% | 3% |
| Foreign Transaction Fee | 0% | 1% |
| Cash Advance Fee | Min: $5, Max: 2% | Min: $10, Max: 3% |
| Service Area | Jacksonville, Jacksonville Beach, Middleburg | Albuquerque, American Fork, Boise, Bountiful, Brigham City, Caliente, Carson City, Cedar City, Centerville, City Creek, Clearfield, Clinton, Cottonwood Heights, Draper, Farmington, Harrisville, Heber, Henderson, Herriman, Holladay, Horizon, Hurricane, Hyr | Other Benefits* | Zero Liability Roadside Dispatch Lost or Stolen Card Reporting Emergency Card Replacement Emergency Cash Disbursement |
Zero Liability Roadside Dispatch Lost or Stolen Card Reporting Emergency Card Replacement Emergency Cash Disbursement |