FCU4U Credit

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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 you financial future. Check out these options we've got for you and let's take this next step together.

First card or next card, level-up your credit game.

You've got credit cardยน options:

Platinum Wave Cash Back

Rewards including Cash Back

  • Get 0% Intro APR² for the first year so you can pay over time interest-free.
  • No annual fee
  • Earn 1% cash back on every purchase or points redeemable for rewards.
  • Cash out your rewards anytime and use the money for whatever - concerts, trips or your gaming setup.
  • With credit lines up to $50k and no annual fee, this card will grow with you through college and beyond.
  • This is the best option for cash back if you pay your balance every month.

Platinum Rate

Flexibility and non-variable rates

  • Get 0% Intro APR² for your first year. Pay over time without interest piling up.
  • No annual fee means more money in your pocket. You've got loans - every penny counts.
  • After the intro period, the rates stay low and consistent.
  • With a limit up to $50k, this card will grow with you - from smaller needs today to bigger moves tomorrow.
  • This is the best option if you carry over a balance and are looking for the lowest interest rate.

Platinum Rewards

Reward and a non-variable rate

  • Get 0% APR² to start so you can afford those big buys interest-free. After that, rates stay fixed.
  • No annual fee
  • Earn one point for every dollar purchase. Get rewards every time you pay.
  • With rewards and a low non-variable rate, you can live for now and plan for the future. Can you say best of both worlds?
  • Best option if you typically pay your balance every month and are looking for a non-variable rate and rewards.

Platinum Fresh Start

Credit builder card

  • Use this card to build or rebuild your score if it could use improving.
  • With credit lines up to $3,000, demonstrate your financial capability going forward.
  • A $100 annual fee helps cover you while you recover from previous early credit growing pains.
  • This is the best card when you are looking for a credit card that offers the opportunity to improve your credit score.

What you get:

No Annual Fee

No annual fee on most cards

Contactless Payments³

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

No Balance Transfer Fees

Avoid extra fees when transferring balances to your new card

Transaction Alerts

Set up alerts to keep you informed of activity through notifications, text, or email

Get started today and shape your credit future.

Apply Now

Other options to open your account

Online Account Opening

Complete an application online to get started

Apply Now
Call 800-284-1144

Get connected with a FCU service representative

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Visit Us in Person

Come to a Branch for an Instant Issue Card

See our Locations

But don't just take our word for it...

Dave B.

"I have been doing business with [this] branch for many years both with my credit card and saving account and always treated with great respect."

Community-first, always

Florida Credit Union has been serving our community for over 70 years. As a not-for-profit financial institution, our focus is on enriching our members' lives, not maximizing profits. We take pride in making the communities we serve better places to live, work, and play.


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. 0.00% Introductory APR on purchases for 12 monthly billing cycles following the issuance of the account. After that, your Platinum Rate APR will vary based on your creditworthiness and card type. 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 Fresh Start credit card. Introductory rate does not include cash advances or balance transfers. Offer subject to change at any time. Annual Percentage Rate (APR) on purchases and balance transfers are currently the APRs set forth in the agreements above.

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