New to Credit Cards? Start Here
We get it, credit can be confusing at first. But trust us, finding the right card now is major for building your financial future. Check out these options we've got for you and let's take this next step together.
Your Credit Era Starts Here
Build Credit. Earn Rewards. Move Forward.
Credit doesn’t have to be intimidating. FCU4U offers credit card options for every stage — whether you’re building credit for the first time or looking for more benefits as you grow. Simple terms, smart features, and real support when you need it.
Find the card1 that fits your next move:
Select™ Visa Signature® Card
Level up your spending with perks that actually matter.
Earn rewards on everyday purchases and enjoy Visa Signature benefits like travel and shopping extras — all with the flexibility to keep your budget in check.
- 2% gas & groceries2
- 1.5% pharmacy, health services, and restaurants
- 1% on all other purchases
- Earn points redeemable for cash back through FCU Rewards HQ
- Credit range from $5,000 to $50,000
- No annual fee3
- Agreement details
- Opening Disclosures
Platinum Wave Rewards Card
Rewards that roll with your everyday.
- 0% Intro APR for 9 months on purchases4
- After the introductory period, the variable APR will be 15.90%–17.90%, based on creditworthiness.
- Low non-variable rate
- Redemption options include merchandise, gift cards, event tickets, cash back, and more
- Credit range from $2,000 to $50,000
- No annual fee5
- Agreement details
- Opening Disclosures: Promo
Platinum Rate Card
Built for balance — literally.
- Lowest non-variable rate
- Credit range from $3,000 to $50,000
- No annual fee6
- Agreement details
- Opening Disclosures
Fresh Start Card
Built to help you move forward.
- Credit range from $2,000 to $5,000
- $100 annual fee7
- Low to moderate credit score
- Agreement details
- Opening Disclosures
What you get:
No Annual Fee⁸
No annual fee on most cards
Contactless Payments⁹
Simply tap to pay with your enabled card or mobile device for faster checkout
Digital Wallet Ready
Hold the digital version of your credit card on your mobile device's wallet app
Instant Account Access
Start using your card right away when you're approved, with quick digital access.
Online Account Management
Securely manage your account any time via our online portal and mobile app
Instant Lock and Unlock
Temporarily lock your misplaced card through the app, and unlock when found for added security
Balance Transfer
Reduce your interest expense by transferring your card balance to an FCU card.
Transaction Alerts
Set up alerts to keep you informed of activity through notifications, text, or email
Your Wallet, Your Style
Money doesn't have to be boring.Choose a card design that matches your vibe and makes everyday purchases feel a little more personal. |  |
Explore More Tools
DISCLOSURES
Credit Card Agreement
Opening Disclosures:
Opening Disclosures: Non-Promo
For a full list of credit card agreements visit our disclosures page
The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific credit union accounts, loans or other products or services and may not exactly match the calculation methods used by the credit union (or any third party) for accounts, loans or other products or services. These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.
1. Subject to credit approval.
2. Available on select merchant categories. Earn 2% cash back on Gas and Grocery purchases. Florida Credit Union does not control how merchants are categorized for rewards purposes. For example, a large retail outlet may not be assigned a “grocery” merchant category code, but instead a “retailer” code. Reward points are not earned on balance transfers, cash advances, fees, interest charges, or unauthorized/fraudulent transactions.
3. No annual Fee. The variable APR for purchases and balance transfers is 16.65%–17.90%, based on creditworthiness. These APRs may vary with the market based on the Prime Rate. The cash advance APR is 17.90%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/01/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union’s 48-county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval is required. If approved, members must maintain a minimum $5 balance in savings.
4. 0.00% introductory APR on purchases for 9 monthly billing cycles following the issuance of the account. After the introductory period, the variable APR will be 16.40% - 17.90%, based on credit worthiness. 0.00% introductory interest rate available for new cards only; new cards cannot be used to pay off existing Florida Credit Union cards or loans; not available for the Select Visa Signature, Platinum Rate, and Fresh Start credit cards. Introductory rate does not include cash advances or balance transfers. Annual Percentage Rate (APR) on purchases is 17.90% and on balance transfers are 15.90% -17.90% depending on your creditworthiness. Offer subject to change at any time.
5. No annual Fee. A 0.00% introductory APR applies to purchases for nine months from account opening. After the introductory period, the standard purchase APR is 15.90%–17.90%, based on creditworthiness. The balance transfer APR is 15.90%–17.90%, based on creditworthiness. The cash advance APR is 17.90%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/21/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union’s 48-county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval is required. If approved, members must maintain a minimum $5 balance in savings.
6. No annual fee. The APR for purchases and balance transfers is 13.90%–17.90%, based on creditworthiness. The cash advance APR is 17.90%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/21/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union’s 48-county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval is required. If approved, members must maintain a minimum $5 balance in savings.
7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/21/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union's 48 county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings.
8. No annual fee applies to the Select Visa Signature®, Platinum Wave Rewards, and Platinum Rate credit cards. A $100 annual fee applies to the Fresh Start Card. See the applicable Opening Disclosures linked under each card for current APRs, fees and terms. Free membership is open to anyone within Florida Credit Union's 48 county field of membership. Visit flcu.org/about/information/membership for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings.
9. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.