It looks like you're using an outdated browser.
For a better experience, we recommend switching to a more modern browser like Google Chrome or Microsoft Edge. Learn more.
Online Banking Login

News & Tips

Why Visa Signature is the Best Points Credit Card (With No Annual Fee!)

Are you on the lookout for a credit card with a favorable rewards program? One thing’s for sure—you have lots of options! Broadly speaking, the two main categories of credit card rewards are those offering cash back and those providing points. 

Here you’ll learn more about both types of rewards programs so you can choose the best credit card for your needs. If a points credit card sounds like the one for you, we’re confident that our Visa Signature® credit card is the best one available—and we’ll (humbly!) share why. 

Overview of Points Credit Cards

First, let’s touch on the difference between a points credit card and a cash back credit card. 

With a cash back credit card, you’ll receive a percentage of money back based on how much you spent with qualifying merchants. The amount of cash back would depend on the card issuer’s specific rewards program. 

With a points program, you earn a certain number of points for qualifying purchases. Most credit card issuers have categories for the types of purchases you make. For example, you might earn a certain number of points for booking flights or getting gas. You could then redeem your points for certain rewards, depending on the credit card.  

Redemption options will vary, but you may be able to exchange your points for cash back, credits on your statement, gift cards, tickets, travel, donations, merchandise, etc. Better yet, you could earn bonus points during special times, such as when you first get your card, during the holidays, or the anniversary of when you opened the account. 

If you’re looking to get a credit card today, here’s why Space Coast Credit Union’s (SCCU) Visa Signature credit card is such an outstanding choice.

Benefits of SCCU’s Visa Signature Credit Card

Many points-based credit cards have limitations on what purchases qualify to earn points. But, at SCCU, we keep it super simple. With the Visa Signature credit card, you can earn points with every purchase!43 There’s no more puzzling over the fine print to figure out if a purchase you have in mind will qualify. If you buy something with your Visa Signature credit card, it counts. 

Here’s how we break it down; for every dollar spent:

  • Earn 3 points on groceries & entertainment
  • Earn 2 points at restaurants
  • Earn 1 point on every other purchase

You don’t have to worry about purchasing items at obscure places to earn points. If you eat—and we all do—then you can earn points: from shopping at your local supermarket to dining out with your family and friends. Plus, no matter what else you buy with your credit card, it also qualifies. (No wonder we call this the best credit card with points!) 

You can then redeem your points in a wide range of ways! This includes cash back, gift cards, travel, merchandise, entertainment (including theme park tickets), and more. 

Preview the rewards program here!

No Annual Fees and More!

As you’re browsing points-based credit cards, be sure to look out for these fees:

  • Annual fees
  • Cash advance fees
  • Balance transfer fees

With the Visa Signature credit card at SCCU, the above fees are zero, zip, and zilch, respectively! Plus, for the first six billing cycles, you can enjoy 0% interest for 6 months!45

Travel Benefits

Another reason why this is the best credit card with points is the perks provided, which include:

  • Travel and emergency assistance services47: You, your spouse, and anyone under the age of 22 can receive experienced assistance. You cover the costs, but when you need emergency help, this card will help provide it. 
  • Concierge service: Reach out for help when you need assistance with current or future travel needs, and enjoy a VIP experience with a personalized touch.
  • Roadside assistance: Stranded? Receive help on a pay-per-use basis, 24/7, including the following at one set price: standard towing up to five miles, jump-starting, tire changing (must have a good inflated spare), lockout service, standard winching, and up to five gallons of fuel (plus the cost of fuel).

Fraud Prevention Services and Features

Only the best points-based credit cards have safeguards in place. Here’s ours: 

  • ID Navigator powered by NortonLifeLock46
  • Free 2Way Text Fraud Alerts that allow you to keep on top of your card’s security
  • Visa Zero Liability Protection14: When unauthorized charges are made, you’re not liable. All you need to do is report suspicious charges to us in a timely manner, and we’ll resolve the issue. 
  • Card Controls, where you can manage card usage through the SCCU Mobile app, including to:
    • Turn your Visa Signature credit card on and off as desired
    • Place location restrictions
    • Set spending limits to help stay within your budget
    • Manage permissions for merchant categories, such as groceries, restaurants, gas stations, and so forth
    • Monitor transactions
    • Restrict transaction types such as ATM, online, or in-store

Plus, as a member of SCCU, you can check your FICO® Score—a standard credit scoring system—for free in your online or mobile banking account. This updates monthly, so you can stay current about your information. 

If you’d like to see your full credit reports and check for and correct any inaccuracies, go to Annual Credit Report; you can receive one credit report from each of the three major credit bureaus each year for free. If you find any errors, you’ll need to dispute them at all of the credit bureaus where they appear.

Additional Features

Plus, with your Visa Signature credit card, you can:

  • Get peace of mind with Visa Account Updater, ensuring your credit card information for recurring payments and online purchases is up to date with participating merchants
  • Choose from digital wallet payment options
  • Make contactless payments
  • Receive a year-end summary of credit card activity

This credit card is rich with benefits, allowing you to earn points easily and redeem them flexibly. Like we said, it’s the best in the business! 

Plus, as a member of SCCU, you can benefit from a wide variety of financial wellness tools, calculators, and other resources that help our members achieve their financial dreams—no matter where they are on their journey. 

Not a member yet? No problem! If you live or work in any of the 34 counties throughout Florida, or have a family member who is a member of SCCU, you can join by simply opening a share account. 

Looking to Get a Credit Card Today?

With our Visa Signature credit card, the minimum card limit is $5,000—so, besides all of the benefits listed above, you’ll have room to make purchases, pay emergency expenses, go on trips, and more.  

Apply here for the best credit card with points: a Visa Signature credit card!

Does Paying Off Loans Early Hurt Your Credit?
April 5, 2024 By Space Coast Credit Union
Are you worried about what will happen to your credit score if you pay a loan off early? Learn more here.
Why Visa Signature is the Best Points Credit Card (With No Annual Fee!)
February 23, 2024 By Space Coast Credit Union
Looking to get a credit card? Here are numerous reasons why Visa Signature is the best points-based credit card (with no annual fee!).
How Do Credit Card Balance Transfers Help Slash Debt?
January 22, 2024 By Space Coast Credit Union
Learn more about what a balance transfer is and how it can help you cut down on debt and save more money.
Secured Credit Cards vs. Secured Loans
December 15, 2023 By Space Coast Credit Union
Secured lending refers to loans requiring collateral for loan approval. Types of collateral loans include secured credit cards & loans secured by bank accounts.
10 Easy Ways to Save Money in College
August 31, 2023 By Space Coast Credit Union
Here are 10 ways to save money while in college, allowing you to spend less time staring at an empty bank account and more time living the fun college life.
Alternative Ways to Save for Retirement Beyond 401(k)s
August 18, 2023 By Space Coast Credit Union
Perhaps your employer doesn’t offer a 401(k) or you’re self-employed. See some of the best alternative ways to save for retirement.
How Many Credit Cards Should I Have?
July 27, 2023 By Members' Watchdog
You might receive offers in the mail or at stores to apply for a credit card. But you might be concerned that having too many credit cards may negatively impact your credit.
How to Choose the Best Student Checking Account for Teens
June 2, 2023 By Members' Watchdog
We break down how to find the best student checking account for teens in just five steps. See them here!
Money Market Accounts: Everything You Need to Know
March 10, 2023 By Members' Watchdog
Money market accounts offer a plethora of savings benefits. Explore them all here.
How CD Laddering Works and Benefits of this Savings Strategy
February 13, 2023 By Space Coast Credit Union
Laddering CDs involves opening multiple CDs with staggered maturities. Let’s break down CD ladders so you can divide and conquer! 
Debit Card vs. Credit Card: Which One is Better?
February 3, 2023 By Space Coast Credit Union
We’ll go over the advantages and disadvantages of debit cards vs. credit cards. Plus, we’ll answer when’s the best time to use each card.
How to Make a Budget
December 28, 2022 By Space Coast Credit Union
In this article, we’ll break down how to make a budget for beginners and how to stick to a budget once you’ve created one.
Certificates of Deposit (CDs): What You Need to Know
December 19, 2022 By Space Coast Credit Union
Certificates of deposit (CDs) are a special type of savings account with a guaranteed rate of return over a certain timeframe so you can give your savings a raise even while you sleep!
10 Tips to Improve Your Financial Wellness
December 9, 2022 By Space Coast Credit Union
We’re sharing our top financial tips, with words of wisdom from SCCU Team Members, to help you improve your overall financial wellness.
Building Credit with a Secured Credit Card
November 25, 2022 By Space Coast Credit Union
When you’re seeking a Visa card and all its conveniences—but facing a roadblock with a lack of credit history—a secured credit card can help.
Benefits of a Visa Signature® Credit Card at SCCU
October 19, 2022 By Space Coast Credit Union
Visa Signature offers a rewards program, travel perks, low variable rates, security features, and more. We’ll give you the 360-degree view of why this card is worth having in your pocket.
The Ultimate Guide on High-Yield Savings Accounts & Saving Money
October 4, 2022 By Space Coast Credit Union
By regularly depositing your hard-earned money into a high-yield savings account, you could be on a faster path to achieving your dreams.
Florida Credit Unions: Why Choose Space Coast Credit Union (SCCU)?
September 23, 2022 By Space Coast Credit Union
We offer a full financial suite of products and services. Let’s dive into all of them!
How to Consolidate Debt
September 16, 2022 By Space Coast Credit Union
Perhaps unexpected expenses are piling up, and you’re scrambling to figure out how to pay them all. We’ll cover how to consolidate debt in this article, which could be a light at the end of the tunnel for you. 
Why Visa Platinum is the Best Cash Back Credit Card
September 9, 2022 By Space Coast Credit Union
Who doesn’t love earning money while spending money? Space Coast Credit Union’s (SCCU)’s Visa® Platinum—the star of the best cash back credit cards—gives you the power to do just that.
How a Good Credit Score Can Impact Purchasing Power
August 26, 2022 By Space Coast Credit Union
You’re probably well aware of what a credit score is, but what exactly determines your overall credit, and how does it benefit you?
Money Market vs. CD: Which is Better?
August 19, 2022 By Space Coast Credit Union
Both CDs and money market accounts offer low-risk ways to earn more interest on your savings. Find out which one's for you here.
Comparing the Differences: Visa Platinum vs. Visa Signature
July 21, 2022 By Space Coast Credit Union
With everything from rates to perks, you may find yourself on the fence as you're making your decision between Visa® Platinum or Visa Signature®. This article provides a comparison between the two to help you decide.
Hurricane Preparation Checklist
July 13, 2022 By Space Coast Credit Union
It's always a good idea to prepare for a hurricane before it's even on the radar. Here's a checklist to help you get started.
What is the Difference Between an IRA and a 401(k)?
June 29, 2022 By Space Coast Credit Union
Not sure if it's better to get an IRA or a 401(k)? Learn more about their differences here and how they can help you save for retirement.
How to Switch to a Free Checking Account in 5 Steps
June 22, 2022 By Space Coast Credit Union
From depositing checks to paying bills, your checking account should work FOR you and not against you with unnecessary extra monthly fees. See why it's worth switching to a Free Checking account at SCCU.
Unleash the Hidden Benefits of Digital Wallet
February 23, 2022 By Space Coast Credit Union
You’re walking along the beach and begin to feel thirsty. Your heart sinks once you realize your wallet is over a mile away. But then you realize that you have your phone with you, which means you can still access all of your cards through your digital wallet app! Learn more about all of its benefits here.
Which Credit Card Benefits are Better: Cash Back or Points?
February 15, 2022 By Space Coast Credit Union
Credit cards offer several benefits from covering emergencies to earning rewards. But with so many card options available (and vying for your attention) with cash back or points, it can be overwhelming to choose a rewards program that’s best for you. In this article, we’ll discuss the pros and cons of each type to help you score rewards in no time! 
A Beginner’s Guide to Free Checking (What It Is & Why You Need It)
January 28, 2022 By Space Coast Credit Union
Checking accounts are like a Grand Central Station for your money—flowing in and out with deposits and withdrawals. Many banks and credit unions offer free checking accounts, but what exactly is a free checking account and why should you get one?
The Beginner's Guide to a Good Credit Score (& How to Get One)
January 7, 2022 By Space Coast Credit Union
When you want to borrow money—perhaps for a mortgage or a car loan—or to get approved for a credit card, lenders typically require a decent credit score. But, what is a good credit score, and how can you make sure you have one?
Visa® Platinum Benefits: A Guide to Receiving Credit Card Rewards
December 21, 2021 By Space Coast Credit Union
Today, strategically selecting whether or not to use a credit card and which one to use can be part of savvy financial management. We're taking a look at why the Visa® Platinum credit card at SCCU may be the one for you.
10 Creative Ways to Save Money
December 10, 2021 By Space Coast Credit Union
Saving money can be challenging. But after the holiday season, it’s often a top New Year’s resolution. From joining special savings accounts to making some daily item switches, we’ve rounded up 10 ways that could save you thousands of dollars a year! 
Holiday Shopping with Credit Cards Do’s and Don’ts
November 12, 2021 By Space Coast Credit Union
Here are our top do’s and don’ts to keep in mind while holiday shopping with credit cards. 
What are Secured Credit Cards?
September 28, 2021 By Space Coast Credit Union
Maybe you’ve run into the following paradox: How do I get a credit card with less-than-perfect credit (or no credit) if I need a credit card to build my credit? You’re in luck because secured credit cards break this cycle!
7 Savvy Skills Teens Gain from a Student Checking Account
September 21, 2021 By Carmen Tapanes
While teens can watch hundreds of videos on the Internet about finances, experience is often the best teacher when it comes to managing money. But it can feel overwhelming for them to know where to start learning the fiscal ropes. Opening a checking account gives them a learner’s permit to handling financial matters with the peace of mind of having an adult as the co-owner. 
How to Choose the Best Free Checking Account
September 14, 2021 By Space Coast Credit Union
When searching for the right checking account, most people would prefer one that’s “free” — and rightly so. But it can be hard to know what exactly “free” means today when we know that fees and terms are often the name of the game. The reality is that financial institutions will define "free" in different ways.
Choosing the Best Credit Card to Fit Your Needs (+ Where to Get It)
July 23, 2021 By Space Coast Credit Union
Credit cards can be an excellent tool for building credit when you’re financing purchases both big and small. Most credit cards today deliver some form of benefit with membership—accumulating points, cash back, airline miles, or other deals, consumers have a wealth of choices.
Financial Peace: Pay Your Dues & Your Debts + Restore Hope in 5 Simple Steps
February 3, 2021 By Space Coast Credit Union
Discover how to obtain financial peace in 5 simple steps. Learn how to pay off your debts the right way and educate yourself on how to live financially free.
The Definitive Guide to Achieving Financial Freedom
January 29, 2021 By Space Coast Credit Union
This guide offers steps that you can put into practice immediately as you work towards financial freedom.
4 Perfect Times to Consider a Personal Loan
February 16, 2017 By Space Coast Credit Union
Virtually everything costs money, and it’s often more than you’d expect it to be.
Common Mistakes During Open Enrollment
November 3, 2016 By Space Coast Credit Union
Be sure to watch out for these three common pitfalls when enrolling in workplace benefits.
Was this helpful?
Thank you for your feedback!