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Credit Cards

Suncoast offers a variety of credit cards to meet the needs of our members. We’re here to help find the right one for you.

We Have It All

Suncoast Credit Union ReviewsFrom rewards, to balance transfers to impeccable member service — we have all the great amenities you’d expect from Suncoast.

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    A new frontier in fraud protection and technology

    Suncoast Credit Union Visa® Rewards Credit Cards now come with built-in chip technology. These new cards are not only more secure – they’re also easy to use.

    Receive enhanced security. When you use your card at a chip-activated card reader, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

    Enjoy global acceptance. More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa Rewards Credit Cards are accepted. Plus, continue to use your card online and by phone.

    Chip-activated card readers are coming to certain U.S. retailers this year – and more locations in the years to come. If a merchant cannot accept chip transactions, simply swipe your card to pay.

    If a chip-activated card reader is available, follow these easy steps:

    1. Insert the chip end of your card into the card reader with the chip facing up.
    2. Keep your card in the card reader throughout the transaction and follow the prompts on screen.
    3. Remove your card when prompted and take your receipt.

    Watch this demonstration video by Visa.

    Still have questions about chip card technology? Check out these frequently asked questions.


Compare Suncoast VISA Credit Cards

Suncoast works hard to ensure you’re getting the most competitive rates, with lots of extras and no hidden fees – from your first credit card all the way up to Rewards Platinum.

Purchase APR*
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Cash Advance APR
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Balance Transfer APR
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Credit Limit

Rewards Platinum 8.9% 10.9% 10.9% $500 - $30,000

From everyday transactions, to overdraft protection, emergencies, major purchases and everything in between, Suncoast's Rewards Platinum VISA has you covered. And with low interest rates, no annual fees and your choice of rewards, it makes the perfect first credit card. 

Rewards Classic Starter 12.9% 14.9% 14.9% $300 - $500

When it comes time to choosing your first credit card, Suncoast's here to help. All Suncoast VISA credit cards feature low interest rates, no annual fees and your choice of rewards. 

Rewards Student Classic 12.9% 14.9% 14.9% $500

This special credit card was designed exclusively for students attending two or four-year accredited colleges or universities. The Rewards Student Classic VISA makes a great first credit card for students. 

Rewards Share Secured 14.9% 16.9% 16.9% $500 - $2,000

The Rewards Share Secured credit card lets you pledge your share savings or share certificate account to secure your VISA — making it the ideal card for members without established credit or who have past credit challenges.

 

Check out our credit card interest rates and fees for yourself. Additional features you’ll get with Rewards Platinum, Rewards Classic Starter, Rewards Student Classic, and Rewards Share Secured at Suncoast include

  • No annual fee
  • No expiration on rewards
  • No fees on balance transfers, cash advances or convenience checks
  • No punitive interest rates for late or missed payments
  • 25-day interest-free grace period on all new purchases
  • Cards for additional users at no extra charge
  • Free automatic car rental insurance
  • Free common carrier travel insurance when you purchase plane tickets with your card
  • 24/7 online or telephone access for cash advances, inquiries, and payments
  • Low minimum monthly payments — only 2% of balance or $10, whichever is greater
  • 0% Liability for Fraud. If fraud does occur, you will not incur losses
  • Visa Account Updater (VAU), which will automatically update your cardholder data with participating merchants when your card information changes, including recurring payments and card-on-file relationships