Suncoast Credit Card Rewards

In addition to competitive rates and no annual or hidden fees, you’ll earn rewards every time you use your Suncoast Visa Credit Card. And you can choose the reward program that’s best for you — bonus points or cash back.

Select a Service:

  • Bonus Points

    Choose ScoreCard® Rewards Bonus Points, redeemable for exciting travel and valuable merchandise, and earn one point for every $1 you spend and two points for every $1 you spend on gas, groceries and tolls. Use your card for all your purchases and watch the points stack up! Plus, the points never expire.

    Cash Back

    Choose cash back and receive 1% cash back on every dollar you spend (net). Save even more with 2% cash back on gas, groceries and tolls! Money is returned in cash and credited to your statement quarterly.

    Commitment to the Community

    Additionally, when you use your card, Suncoast donates two cents to the Suncoast Credit Union Foundation — a 501(c) (3) nonprofit organization established to help children in the local communities we serve. See how those pennies add up. 

    Spend, Swipe and Save at the Pump!

    Save at the pump with Suncoast and ScoreCard Rewards. It's easy, when you swipe your Suncoast credit card at a participating BP or Shell gas station, the card will display a message asking if you want to redeem points for discounted gas. Learn more.

    Get the Official Credit Card of the Tampa Bay Rays

    We are proud to exclusively offer the Suncoast Tampa Bay Rays Rewards Platinum Visa Credit Card. Enjoy all the benefits of a Suncoast Rewards Credit Card and get exclusive perks from the Rays.

    Apply Now

Choose a Product:

Purchase APR*
as low as

Purchase APR*
as low as

Annual Percentage Rate

Cash Advance APR
as low as

Cash Advance APR
as low as

Annual Percentage Rate

Balance Transfer APR
as low as

Balance Transfer APR
as low as

Annual Percentage Rate

Credit Limit

Credit Limit

Rewards Platinum $500 - $30,000

Purchase APR*
as low as

9.900%

Cash Advance APR
as low as

11.900%

Balance Transfer APR
as low as

11.900%

Credit Limit

$500 - $30,000

Rewards Classic Starter $300 - $500

Purchase APR*
as low as

13.900%

Cash Advance APR
as low as

15.900%

Balance Transfer APR
as low as

15.900%

Credit Limit

$300 - $500

Rewards Student Classic $500

Purchase APR*
as low as

13.900%

Cash Advance APR
as low as

15.900%

Balance Transfer APR
as low as

15.900%

Credit Limit

$500

Rewards Share Secured $300 - $5,000

Purchase APR*
as low as

15.900%

Cash Advance APR
as low as

17.900%

Balance Transfer APR
as low as

17.900%

Credit Limit

$300 - $5,000

Additional Information

  • Rewards Platinum

    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

    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

    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

    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.

 

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Why Suncoast

Suncoast answers exclusively to our members and, because we’re not for profit, we’re able to offer benefits that banks don’t. Here are just a few:

  • Low fixed interest rates
  • No annual fees or any hidden fees
  • Rewards for you and your community
  • Your interest rate is determined by your credit score — and it doesn’t change if you miss a payment.

Tap to pay and be on your way!

Our amazing credit card just got even better! Enjoy all of the features you love plus touch-free pay options so you can securely pay for purchases without touching the card reader.

It’s a simple, fast and safe way to pay!

How do contactless credit cards work?

Contactless symbol

1. Look

Contactless pay

2. Tap

All set!

3. Go

Contactless card technology allows you to pay without touching, inserting, or swiping your credit card. Simply look for the contactless symbol on the checkout terminal, then hold your card a few inches away from the reader to pay for your purchase.

Want to learn more about contactless credit cards? Check out our frequently asked questions.

Mobile Pay Available for Your Credit Cards

We offer mobile pay options including Apple Pay, Android Pay and Samsung Pay. These apps are easy to use, secure and accepted in millions of stores across the country. Go to our mobile pay page to learn more.

 

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
  • Use your Suncoast Visa contactless card to stay safe with a no-touch interaction while paying at any contactless-enabled terminal
  • Get the official Rays credit card available and take advantage of exclusive perks at Tropicana field on game day and other offers
  • 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