Official TB Rays credit cards now available exclusively at Suncoast Credit Union

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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    Give the Gift of Money

    Gift giving just became a little easier. With the Suncoast VISA Gift Card you can give friends and family money using a prepaid, non-reloadable VISA card. These cards come with a fixed cash amount — determined by the giver at time of purchase — and can be used anywhere VISA is accepted.

    Purchase in a local branch and receive:

    • Whole dollar increments ranging from $25-$1,000
    • A choice of two designs (all occasion gift box or snowflake)
    • One low fee of $3.50 per card regardless of amount

    Purchase online and receive:

    • Whole dollar increments ranging from $25-$500
    • A choice of 5 different designs
    • Personalized designs
    • Cards can be shipped to the recipient for amounts under $400.00, amounts $400 and above must be shipped to the purchaser.
    • Tiered rate fee (includes shipping & handling):
      • $5.95 for $25-$249
      • $7.95 for $250-500
      • Your gift recipient will receive their personalized Gift Card within five to seven business days after the order was placed.

    Purchase now.

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