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 card¹ options:
Select™ Visa Signature® Card
CASH BACK UP TO 2%²
- 2% Gas & Groceries
- Earn 1.5% cash back on pharmacy, health services, and restaurants
- Earn 1% cash back on all other purchases or points redeemable for rewards.
- Earn 15,000 bonus points³ when you spend $3,000 within 90 days.
- 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 Wave Rewards Credit Card
CASH BACK AND MORE
- Get 0% intro APR⁴ for 9 months so you can afford those big buys interest-free. After that, rates stay fixed.
- Redemption options include merchandise, gift cards, event tickets, cash back, and more
- 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 may carry a balance and are looking for a non-variable rate and rewards.
Platinum Rate Credit Card
Flexibility and non-variable rates
- No annual fee means more money in your pocket. You've got loans - every penny counts.
- 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 Fresh Start
Credit builder card
- Use this card to build or rebuild your score if it could use improving.
- With credit lines up to $5,000, 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 on most cards
Simply tap to pay with your enabled card or mobile device for faster checkout
Hold the digital version of your credit card on your mobile device's wallet app
Start using your card right away when you're approved, with quick digital access.
Securely manage your account any time via our online portal and mobile app
Temporarily lock your misplaced card through the app, and unlock when found for added security
Reduce your interest expense by transferring your card balance to an FCU card.
Set up alerts to keep you informed of activity through notifications, text, or email
Other options to open your account
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.
DISCLOSURES
- Select Select™ Visa Signature® Credit Card Agreement
- Platinum Wave Rewards Credit Card Agreement
- Platinum Rate Credit Card Agreement
- Platinum Fresh Start Credit Card Agreement
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. 2% cash back on Gas and Groceries. Florida Credit Union does not have control over the category type a purchase may be assigned to. For example, a large retail outlet may not be assigned a "grocery" code but instead a "retailer" code.
3. Only applicable on new Select™ Visa Signature® credit cards. Must spend $3,000 within first 90 days of account opening. Bonus points will processed once 90 day period ends and will post within 4 weeks.
4. 0.00% Introductory APR on purchases for 9 monthly billing cycles following the issuance of the account. After that, your Platinum Wave Reward 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 Select™ Visa Signature®, Platinum Rate, and Fresh Start credit cards. 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.
5. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.