Happy Man with Credit Card in pocket

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:


FCU Platinum Wave card

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 & groceries
  • 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 fee
  • Agreement details
  • Opening Disclosures
Upgrade Your Card
FCU Platinum Reward

Platinum Wave Rewards Card

Rewards that roll with your everyday.

From groceries to gas to weekend plans, the Platinum Wave Rewards Card helps you earn rewards as you go — with a straightforward setup that keeps things easy.
  • 0% Intro APR for 9 months on purchases²
  • After the introductory period, the variable APR will be 16.40%–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 fee
  • Agreement details
  • Opening Disclosures: Promo
Start Earning
FCU Platinum Rate

Platinum Rate Card

Built for balance — literally.

With a low rate and straightforward terms, the Platinum Rate Card helps you manage spending without piling on interest.
Borrow Smarter
FCU Fresh Start Card

Fresh Start Card

Built to help you move forward.

With clear terms and a focus on responsible use, the Fresh Start Card helps you establish positive credit history and build confidence as you go.
Get Back on Track

What you get:

No Annual Fee³

No annual fee on most cards

Contactless Payments⁴

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

Get started today and shape your credit future.


Apply Now

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.


Credit Card Artwork

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Your everyday money hub starts here.

FCU4U Auto

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Road trips, commutes, and everything in between.

FCU4U Personal Loan

Personal Loan Bag

Simplify debt. Fund your next move.

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Couch

FCU4U Home

DISCLOSURES

Credit Card Agreement

Opening Disclosures:

Opening Disclosures: Promo

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. 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.

3. $100 fee on Fresh Start Card

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