121 FCU Visa Secured Credit Card Review

Overview

The 121 FCU Visa Secured is a visa card issued by 121 Financial Credit Union, based in Jacksonville, FL. As a credit union card, eligibility is usually tied to membership, which in turn is usually tied to where you live or who you work for.

If you are separating or co-parenting

These are the parts of this card that land differently when a household is becoming two. None of it is a recommendation — your own position decides that.

• A deposit instead of a credit history. A secured card asks for a refundable deposit rather than an established file, which is the usual way to open a first account in your own name. What to sort out before you apply.
• Ask what it costs to hold. One income is now covering two households, so an annual fee is a fixed cost worth knowing before you apply rather than after. Fees change, so get the current figure from 121 Financial Credit Union.
• Ask about foreign transaction charges. Worth checking if your co-parent has moved abroad, or if parenting time involves travel and the costs are being shared.
• Points on spending that is already shared. A large share of post-separation spending goes on the children, and much of it is reimbursed between co-parents afterwards. Whichever parent’s card pays keeps the points, which is worth agreeing rather than discovering. What counts as a shared expense.
• Membership is restricted. Credit union eligibility is usually tied to where you live or who you work for. Check you still qualify if the separation involves a move, and before counting on this card as your plan.

More on money after a separation: rebuilding your credit · dividing debt · dividing property

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 Secured did not earn rewards when this review was written.

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

This review covers what the 121 FCU Visa Secured is and how its structure lands if you are separating or co-parenting. It deliberately does not quote an interest rate, an annual fee or a credit limit, because those are set by 121 Financial Credit Union, vary with your own creditworthiness, and change often enough that any figure printed here would be out of date before you read it.

For the current terms, contact 121 Financial Credit Union directly. The Consumer Financial Protection Bureau also publishes a free card comparison tool built from terms that issuers report twice a year, which is a better place to compare rates than any review page.

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