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| Rating | ||
| Issuer | 121 Financial Credit Union | America First Credit Union |
| Card Type | Consumer | Business |
| Rewards | 2 Points / $1 spent. Special Offer: 50,000 bonus points if $5,000 spent in 1st 90 days of card issuance |
1 Points / $1 spent. Special Offer: None |
| Credit Score | 720 - 850 | 690 - 719 |
| Line of Credit | $5,000 - $50,000 | $500 - $50,000 |
| Annual Fee | Intro $0, $0 after | Intro $0, $0 after |
| APR | Intro 11%, 11% after | Intro 13.74%, 13.74% after |
| Balance Transfer | Intro 2% for 15 months for transfers made in the first 60 days., 11% after | Intro 13.74% for 12 Months, 13.74% 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 Travel and Emergency Assistance Services Emergency Card Replacement Emergency Cash Disbursement Extended Warranty Protection Auto Rental Collision Damage Waiver Lost Luggage Reimbursement Global Entry Statement Credit Trip Delay Reimbursement Trip Cancellation / Trip Interruption Reimbursement Airline Incidental Fees Travel Accident Insurance Airport Lounge Access Baggage Delay Reimbursement Winemaker / Food Events Hotel Theft Protection Cell Phone Protection Emergency Medical / Dental Price Protection Emergency Evacuation Return Protection Purchase Security |
Zero Liability Roadside Dispatch Lost or Stolen Card Reporting Emergency Card Replacement Emergency Cash Disbursement |