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Business Credit Cards

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credit card from FCU

Low Non-Variable Rate or Rewards

CHOOSE THE CARD¹ THAT WORKS BEST FOR YOUr business.

For a growing business, locking in a great rate on a business credit card gives you fast, easy access to funds when you need them.

  • No annual fee
  • No fee on balance transfer
  • Add your card to your mobile device for contactless payments
  • Online account management
  • Card lock and unlock if card is lost and found again
  • Visa transaction alerts via email or text
  • Extra cards for other employees
  • Free downloads to QuickBooks
Apply Now

Business Credit Card Options

FCU Platinum Wave card

Business Rate Credit Card

Our lowest rate business card

Best option for businesses carrying over a balance and looking for the lowest interest rate.
  • No annual fee
  • Competitive non-variable rate
  • No balance transfer or cash advance fee
  • Credit limits based on your business needs
Agreement details
Apply Now
FCU Business Credit Card

Business Rewards Credit Card

Rewards and a non-variable rate

Best option for businesses that do not typically carry balances and are looking for a reward card.
  • No annual fee
  • Competitive non-variable rate
  • Earn points redeemable for rewards through FCU Rewards HQ
  • No balance transfer or cash advance fee
  • Credit limits based on your business needs
Agreement details
Apply Now

Business Visa® Features

Immediate Access

With instant issue cards, you can get immediate access to your money when you open your account.

Manage My Cards

Turn your cards on and off, set budget limits or report lost, stolen, or damaged cards right from your device.

Contactless Cards²

Tap to pay and enjoy faster, easier, and more secure payments. Use wherever contactless payments are accepted.

Digital Wallet

Add your card to your digital wallet for added convenience.

Visa® Cardholder Benefits

FCU cardholders can also enjoy these great benefits³

  • Zero Liability for Fraudulent Purchases
  • Chip Card Technology
  • Emergency Cash Disbursement and Card Replacement
  • Roadside Dispatch®
  • Extended Warranty Protection
  • Travel and Emergency Assistance Services
  • 24-hour Lost/Stolen Card Reporting
  • Cardholder Inquiry Services
  • Exclusive Cardholder Discounts
Learn More about these Benefits

Setup Your Credit Card


professional with business credit card

After receiving your new credit card in the mail, activate it using one of the methods below:

Activate with FCU Anywhere Online and Mobile Banking
1. Login to FCU Anywhere
2. Navigate to Tools > Card Management
3. Your unactivated card will appear under Setup Pending. Select Finish Setup, Card Activation, and then Activate Card. Once complete the card will now appear under “Active cards” and will be ready to use!

Activate by phone - call 888-333-9319
1. Enter your full credit card number
2. Set a PIN for your new credit card

Calling from the phone number that we have on file will skip a few steps.

Business Credit Card - mobile wallet

Add your Florida Credit Union Visa® card to any one of your smartphone’s mobile wallet apps, whether it be Apple Pay®, Google Pay®, or a number of others. Once you do, you can pay for nearly everything just by scanning your phone. 

Watch our digital wallet setup video at the link below or read the setup steps outlined in our blog post.

 

Learn More
businessman with card

Set monetary limits, temporarily block a card and report a card lost, stolen or damaged card using Card Management. This is located in FCU Anywhere Online and Mobile banking by accessing the Tools menu > Card Management. 

In Card Management, hover over the card you wish to work with and select Manage card. From here you can select Block this card to set a temporary block on your card. You can unblock the card at any time by selecting the same option.

Set monetary limits on ATM withdrawals and purchases⁵: use Manage Card Controls 

Notify FCU about lost, stolen, or damaged cards: Select one of the options under Plastic Management to notify FCU and close the card.

Receive usage notifications: navigate to the Accounts tab > Account Alerts.

Additional alert options will be available soon, including customizable transaction alerts.

In addition to these features FCU offers fraud alert text messages, emails and phone calls for all members. When a transaction is blocked for being potential fraud, a text message will be sent to the cell phone number on file. Please update FCU anytime your contact information changes so we can reach you in the event of possible fraud.

How to Report a Missing FCU Visa® Credit or Debit Card

You can temporarily block a card or report a card lost, stolen or damaged. Our Card Management page located under the Tools tab in online banking allows members to be in full control of their cards! If you think you may have temporarily misplaced the card and want an opportunity to look for it, you can temporarily block the card. Simply hover over the card you wish to work with and select “Manage card”. From here you can place a temporary block on your card by selecting “Block this card”. You can unblock the card at any time by selecting the same option. If you believe that the card is no longer in your possession, you can mark the card lost or stolen by selecting the Card Replacement option within Card Management.  Alternatively you can: 

Lost or Stolen Cards

If your Florida Credit Union Visa®  debit or credit card 
has been lost or stolen, please call 888-333-9319.

Additional Assistance for Lost or Stolen Cards

For additional assistance or information related to a lost or stolen 
Visa® card or FCU debit card, please call 800-284-1144.

Credit Card FAQs

There are many convenient and safe options for you to make a payment on your FCU loan. View your available payments options here.
If you are in need of a new credit card you may visit any of our conveniently located branches where they can print a card for you while you wait. If you are unable to make it into a branch, you can:
  1. Call us at 800-284-1144 and we will order a new credit card to be mailed to your address. 
  2. Login to FCU Anywhere Online and Mobile banking: Tools menu > Card Management to replace a FCU card.
If you have an FCU rewards card, you can view your points and access rewards through FCU Rewards HQ, conveniently located within FCU online banking. When logged into online banking, FCU Rewards HQ can be found within the Tools tab. Once on the FCU Rewards HQ page you will be able to redeem points, view current promotions, learn how to earn more points and view your points activity.
FCU Rewards HQ offers a wide variety of rewards from gift cards, merchandise, travel, and events such as sporting events, concerts and more! A few notable rewards options include Best Buy® in store pick-up on select merchandise, access to over 130,000 hotels and resorts, local events such as college football and theater productions, and gift cards from top brand retailers including Target®, Amazon®, Starbucks® and many more! If you have a Platinum Wave card you will also have access to cash back with the ability to redeem as little as $5.
If your card is lost, stolen, or damaged you can notify FCU and close the card by selecting one of the options under Card Management, located under the Tools menu in FCU Anywhere Online and Mobile banking. If you wish to be notified anytime your debit or credit card is used, you can opt-in for account alerts such as debit card purchases and transaction alerts by visiting Account Alerts in the Accounts tab on online banking. Additional alert options will be available soon, including customizable transaction alerts.

In addition to these features FCU offers fraud alert text messages, emails and phone calls for all members.When a transaction is blocked for being potential fraud, a text message will be sent to the cell phone number on file. It is important to update FCU anytime your contact information changes so that we can reach you in the event of possible fraud.

*Please note: Limits under “Manage Card Controls” are subject to credit union defined loan and share limits. Limits cannot exceed approved loan limits.
 
You can use your credit card while traveling internationally and anywhere where VISA is accepted. Some international locations may be blocked to prevent fraud, but can be unblocked if we are notified of your travel plans. In order to notify us of your international travel you can visit a local branch, give us a call at 800-284-1144, or complete a “Notice of International Travel form”. When completing a travel notice, please make sure to include all countries you will be visiting along with the dates of travel, as well as any countries where you may have a layover and might be making a purchase or accessing cash from your account. You will want to take these same steps even if you are traveling within the U.S.

DISCLOSURES

1. Credit approval and initial $5 open share deposit required.

2. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.  

3. Certain terms, conditions and exclusions apply. Please refer to the Visa® Guide to Benefits for further details. 

4. If you received your new credit card at one of our branches you will not need to complete these steps as your card will be activated and ready to use upon receiving the card.

5. Please note: Limits under “Manage Card Controls” are subject to Credit Union defined loan and share limits. Limits cannot exceed approved loan limits.


UNLAWFUL INTERNET GAMBLING NOTICE

Restricted transactions as defined in Federal Regulation GG are prohibited from being processed through any FCU commercial account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.