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Credit Cards

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credit card from FCU

Low Non-Variable Rate, Rewards, Cash Back, or Building Credit

CHOOSE THE CARD¹ THAT WORKS BEST FOR YOU.

  • No annual fee on most cards²
  • Add your card to your mobile device for contactless payments
  • Online account management
  • Card lock and unlock if card is lost and found again
  • Extra cards for family members
  • Works with Google Pay™, Apple Pay™ & Samsung Pay™
  • Card Management features
Apply Now Business Credit Cards

Credit Card Options

FCU Platinum Wave card

Select™ Visa Signature® Card

CASH BACK UP TO 2%

Maximize your cash back on every day spend. Plus earn 15,000 bonus points3 after account opening. Perfect choice if you pay your balance every month and are looking to maximize your cash back.
  • 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
Apply Now
FCU Platinum Reward

Platinum Wave Rewards Card

CASH BACK AND MORE

Enjoy multiple reward options, including Cash Back and 0% intro rate. Best option if you may carry a balance and are looking for rewards that include cash back.
  • 0% Intro APR for 9 months on purchases⁴
  • 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
Apply Now
FCU Platinum Rate

Platinum Rate Card

OUR LOWEST RATE CARD

Best option if you typically carry over a balance and are looking for the lowest interest rate.
  • Lowest non-variable rate
  • Credit range from $3,000 to $50,000
  • No annual fee
  • Agreement details
Apply Now
FCU Fresh Start Card

Fresh Start Card

Build your credit

Best card when you are building or rebuilding your credit. 
  • Credit range from $2,000 to $5,000
  • $100 annual fee
  • Low to moderate credit score
  • Agreement details 
Apply Now
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.

Learn More
Contactless Cards⁵

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.

Card Updater

Update your cards where you pay online. At one time.

Learn More

Visa® Cardholder Benefits

FCU cardholders can also enjoy these great benefits⁶

Learn More about these Benefits

Get Started Today

Online Account Opening

Complete an application online to get started

Apply Now
Call 800-284-1144

Get connected with a FCU service representative

Call Now
Visit Us in Person

Come to a Branch for an Instant Issue Card

See our Locations

Setup Your Credit Card


Danny Wuerffel with activated 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.

mobile wallet - credit card

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 or digital wearable!

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

Watch to learn   Read Setup Steps

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 purchases⁸: 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 Calculators

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.
Rewards offerings vary depending on the card type.

For Wave Rewards and Platinum Rewards, FCU Rewards HQ offers a wide variety of rewards from cash back, 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!

For Select™ Visa Signature®, you will have access to a simplified redemption of cash back only 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

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. $100 fee on Fresh Start Card

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.  

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

7. 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.

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