Florida Credit union Visa® credit cards
Choose the Right Credit Card1 for Your Lifestyle
Get more from your credit card, with fewer fees and better rates. Florida Credit Union credit cards offer low APR, no annual fees on three of our Visa® credit card options, and rewards like cash back, travel perks and points. Whether you’re building credit or seeking to maximize rewards, there’s an FCU card designed for you.
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Visa Credit Cards® with Rewards, Low Non-Variable Rates, and No Annual Fees on Most Cards2
Florida Credit Union credit cards come with more than competitive rates. They come with a commitment to your financial success. At Florida Credit Union, our cards are designed to work for you with:
No matter where you are in your credit journey, we’re here to help you move forward confidently.
Select™ Visa Signature® Card
Best for maximizing cash back³
- 2% back on gas & groceries
- 1.5% at pharmacies, health services & restaurants
- 1% on all other purchases
- No annual fee
- Up to 15,000 bonus points4 after account
- opening
- Credit limits from $5,000 to $50,000
- Agreement details
Platinum Wave Rewards Card
Best for Earning Rewards on Everyday Use
- 0% intro APR for 9 months on purchases5, with rates of 15.90%-17.90% (based on credit worthiness) after intro period.
- Redeem points for cash back, gift cards, travel, merchandise & more
- No annual fee
- Credit limits from $2,000 to $50,000
- Agreement details
Platinum Rate Card
Best for Low Interest while Carrying a Balance
- Our lowest non-variable rate
- No annual fee
- Credit limits from $3,000 to $50,000
- Agreement details
Fresh Start Card
Best for building or rebuilding credit
- Credit limits from $2,000 to $5,000
- Designed for low to moderate credit scores
- $100 annual fee
- Agreement details
Visa® Credit Card Benefits6 and fCU Cardholder Perks
All FCU credit cards come with:
Zero Liability Coverage7
Real-time alerts and zero liability coverage
Mobile Card Management
Lock/unlock cards, set alerts, and track activity from your phone
Contactless Payments8
Just tap and go with added security
Exclusive Visa® Cardholder Discounts
Access discounts on travel, software, merchandise and more, plus 24/7 Visa Concierge
Mobile Wallet Support
Compatible with Apple Pay®, Google Pay™, and Samsung Pay™
Family Credit Cards
Add authorized users with ease
Cash Back & Rewards
Earn while you spend
Apply for Your FCU Credit Card in Minutes
Ready to get started? Applying is quick, easy, and secure.
Apply Online
Start your application anytime, anywhere
Call Us
Speak with a representative at 800-284-1144
Visit a Branch
Get an instant-issue card in person
Frequently Asked Credit Card Questions
A credit card uses borrowed funds and can help build credit, while a debit card draws directly from your checking account and does not affect your credit score.
Credit union credit cards typically offer lower interest rates, fewer fees, and more personalized service than bank-issued cards. They’re often easier to qualify for and come with benefits like fraud protection, rewards, and contactless paymen
Yes. Our mobile app offers full card management features, including setting spending limits, locking/unlocking your card, reporting fraud, and viewing transactions in real time.
Yes, credit cards with contactless payments use secure encryption to protect your transactions, making them as safe—or safer—than traditional swipe or insert methods.
Credit score requirements vary by card. We offer a range of options—from cards designed for building credit to rewards credit cards for those with higher scores.