Find the Rewards Card That Fits The Way You Spend
Compare SCCU Visa Signature® and Visa® Platinum credit cards to find the rewards experience that best matches your spending habits, goals, and lifestyle.
$0 Annual Fee
Keep more value in your wallet
$0 Balance Transfer Fee
Move balances with fewer extra costs
0% Intro APR¹
For the first six billing cycles
Florida-Based Credit Union
Serving members since 1951
SCCU Visa Signature®
Earn points on groceries, travel, dining, and streaming services, then redeem for cash back, travel, gift cards, merchandise, and more.²
Best For: Frequent travelers, foodies, grocery shoppers, streaming subscribers, and members who want flexible rewards².
- ✓ Earn 25,000 bonus points after $3,000 in net purchases within 90 days of account opening3
- ✓ 3X points on groceries, travel, and streaming services²
- ✓ 2X points on dining²
- ✓ 1X point on all other purchases²
- ✓ No annual fee
- ✓ No balance transfer fee
- ✓ 0% introductory APR for six billing cycles¹
By selecting Apply, you acknowledge that you can access and
retain the account disclosures provided before submitting your application.
Consumer
Credit Card Agreement & Disclosures
SCCU Visa® Platinum
Earn cash back on everyday purchases and redeem rewards directly into your eligible SCCU account through Online or Mobile Banking.⁴
Best For: Everyday spending, gas purchases, EV charging, streaming services, and members who prefer simple cash back rewards.
- ✓ 2% cash back on streaming services⁴
- ✓ 1.5% cash back at gas stations and EV charging⁴
- ✓ 1% cash back on all other eligible purchases⁴
- ✓ No annual fee
- ✓ No balance transfer fee
- ✓ 0% introductory APR for six billing cycles¹
By selecting Apply, you acknowledge that you can access and
retain the account disclosures provided before submitting your application.
Consumer
Credit Card Agreement & Disclosures
Not Sure Which Card to Choose?
Both cards offer valuable rewards and no annual
fee.
Here’s a quick way to find the best fit based on how you
spend:
Choose Visa Signature® If You:
- Travel regularly or plan to use rewards toward future trips
- Spend often on groceries, dining, and streaming services
- Prefer flexible redemption options like cash back, travel, gift cards, and merchandise²
- Want access to eligible Visa Signature benefits and offers⁵
- Like earning points that can be used in more than one way²
Choose Visa® Platinum If You:
- Want straightforward cash back on eligible purchases⁴
- Spend frequently on gas, EV charging, and streaming services
- Prefer rewards that can be redeemed directly to an eligible SCCU account
- Want simple rewards tracking through Online or Mobile Banking
- Prefer an easy, no-fuss cash back credit card
Compare SCCU Credit Cards Side-by-Side
Review rewards, cash back, benefits, and introductory APR details to help choose the SCCU Visa® credit card that fits your everyday spending habits.
| Feature | SCCU Visa Signature® | SCCU Visa® Platinum | |
|---|---|---|---|
| Best For | members who want flexible rewards points, multiple redemption options, and enhanced rewards on groceries, travel, dining, and streaming. | members who prefer simple cash back on eligible purchases, especially streaming, gas stations, and EV charging. | |
| Welcome Bonus | 25,000 bonus points after $3,000 in net purchases within 90 days of account opening3 | No welcome bonus. | |
| Rewards Structure |
3X points on
groceries² 3X points on travel² 3X points on streaming services² 2X points on dining² 1X point on all other purchases² |
2% cash back on
streaming services⁴ 1.5% cash back on gas stations and EV charging⁴ 1% cash back on all other eligible purchases⁴ |
|
| How Rewards Work | Earn points based on eligible purchase categories, then choose how you want to redeem through the SCCU Rewards Portal.² | Earn cash back on eligible purchases and redeem available rewards directly to your eligible SCCU account.⁴ | |
| Redemption Options | Redeem points for cash back, travel, gift cards, merchandise, and more. Eligible purchases may also qualify for Pay With Points and Real-Time Rewards.² | Redeem available cash back through SCCU Online or Mobile Banking directly to your eligible SCCU checking or savings account.⁴ | |
| Visa Benefits | Includes eligible Visa Signature® benefits, offers, and services.⁵ | Includes eligible Visa® card benefits and services.⁵ | |
| Introductory APR | 0% for six billing cycles on purchases, balance transfers, and cash advances made within the first 6 months of opening your account.¹ | 0% for six billing cycles on purchases, balance transfers, and cash advances made within the first 6 months of opening your account.¹ | |
| Annual Fee | $0 | $0 | |
| Balance Transfer Fee | $0 | $0 |
Everyday Benefits, Protections, and Digital Tools
Use SCCU Online Banking and the SCCU Mobile app to manage your card, access digital card tools, and view eligible rewards.²⁴
Manage Your Card Digitally
- Digital Card Access: Eligible approved cardholders can access card information digitally sooner, helping them begin using their card while waiting for the physical card to arrive.⁸
- Manage Cards: Access card controls, alerts, and self-service card management tools through SCCU Online Banking and the SCCU Mobile app.
- Digital Wallet Ready: Add eligible SCCU Visa® credit cards to Apple Pay®, Google Pay™, and Samsung Pay®.⁷
▸ View Additional Visa Benefits and Services
- Visa Signature® Concierge: Access assistance for travel, dining, entertainment, and more.⁵
- Visa Signature® Offers and Perks: Explore eligible hotel, travel, entertainment, shopping, and dining benefits available through Visa.⁵
- Roadside Dispatch®: Access pay-per-use roadside assistance services when available.⁵
- Extended Warranty Protection: Eligible purchases may qualify for additional warranty protection.⁵
- Auto Rental Collision Damage Waiver: Eligible rentals may qualify for coverage when terms are met.⁵
Frequently Asked Questions
▸ Which SCCU credit card offers the most rewards?
Visa Signature® is generally the best fit for members seeking enhanced rewards on groceries, travel, dining, and streaming services. Visa® Platinum is designed for members who prefer simple cash back on eligible everyday purchases.²
▸ How do I redeem Visa Signature rewards points?
Redeeming your Visa Signature rewards is easy. Simply log in to SCCU Online or Mobile Banking and select Redeem Rewards. From there, you can redeem eligible points for cash back, travel, gift cards, merchandise, and other available rewards.²
Your available redemption options and point balance can be viewed anytime through the rewards portal.
▸ How do I redeem Visa Platinum cash back?
Log in to SCCU Online or Mobile Banking, select Redeem Rewards and you'll be able to view your available rewards and redeem eligible cash back directly to your qualifying SCCU account.⁴ This provides a simple way to turn everyday purchases into rewards you can use right away.
▸ Do SCCU credit cards have an annual fee?
No. Both the SCCU Visa Signature® and SCCU Visa® Platinum credit cards have no annual fee, allowing you to enjoy rewards and card benefits without an annual Membership cost.
▸ Is there a balance transfer fee?
No. SCCU doesn't charge a balance transfer fee on the Visa Signature® or Visa® Platinum Credit Card.
In addition, eligible cardholders may qualify for a 0% introductory APR on balance transfers for the first 6 billing cycles.¹
▸ Can non-members apply?
Eligible non-members can apply for an SCCU credit card. Membership is required before account opening and eligibility requirements apply.⁶
SCCU Membership is available to eligible individuals who live, work, worship, or attend school in qualifying Florida communities, as well as eligible family members of current SCCU members.⁶
Why Members Choose SCCU Credit Cards
SCCU credit cards are designed to offer practical value, useful rewards, and support from a member-owned Credit Union serving Florida members since 1951.
More Value, Fewer Fees
No annual fee, no balance transfer fee, and credit card options designed around member needs.
Rewards That Match Your Lifestyle
Choose flexible rewards points with Visa Signature® or simple cash back with Visa® Platinum.
Manage Everything Digitally
Use SCCU Online Banking and the SCCU Mobile app to manage your card and access eligible rewards.
Built-In Security
Fraud monitoring, real-time alerts, card controls, and eligible Visa protections help support everyday confidence.
Member-Focused Service
Get support from a trusted Florida Credit Union focused on helping members move forward financially. Contact SCCU
Flexible Redemption Options
Choose the rewards experience that works for you, from points and travel to cash back deposited to an eligible SCCU account.
Find the Card That Fits the Way You Spend
Apply online in minutes and start earning rewards or cash back on everyday purchases.
Important Rates & Disclosures
¹ 0.00% Introductory APR for purchases, balance transfers and cash advances for six billing cycles. Promotional APR applies to eligible transactions posted during the first six months following account opening. After the introductory period, your APR will vary based on creditworthiness and the Prime Rate. See Rates & Fees Disclosure for complete details.
View Rates, Fees & Credit Card Disclosures
² Visa Signature® Rewards Program: Rewards earning and redemption are subject to the Visa Signature® Credit Card Rewards Terms and Conditions. Eligible purchases and bonus categories are determined by merchant category code, and certain transactions may not qualify for rewards earning. Pay With Points and Real-Time Rewards availability may vary and are subject to program terms and conditions. See our Visa Signature® Credit Card Rewards Terms and Conditions.
³ 25,000 Bonus Points Offer: To qualify for 25,000 bonus points, at least $3,000 in net purchases (purchases less returns and credits) must post to the account within 90 days of account opening. Bonus points will be credited through SCCU Online Banking and may be redeemed through the SCCU Rewards platform. The account must be open and not in default at the time of fulfillment. Balance transfers and cash advances do not earn rewards points or cash back and do not qualify toward the spending requirement. Visa Low Rate, Student Visa, Business Visa, Visa Secured, and existing Visa Signature credit card accounts are not eligible for this promotion.
⁴ Visa® Platinum Cash Back Program: Cash back earning and redemption are subject to the Visa® Platinum Credit Card Cash Back Terms and Conditions. Eligible purchases and cash back categories are determined by merchant category code, and certain transactions may not qualify for cash back rewards.
View Rates, Fees & Credit Card Disclosures
⁵ Visa Benefits: Visa benefits, including Visa® Zero Liability Policy, are subject to terms, conditions, limitations, and benefit availability. Benefits vary by card type and may change without notice. Refer to the applicable Visa Guide to Benefits for complete details.
⁶ Membership Eligibility: Membership eligibility requirements apply. Membership is required prior to account opening. See SCCU Membership Eligibility requirements for complete details.
⁷ Digital Wallet Trademarks: Apple Pay® is a registered trademark of Apple Inc. Google Pay™ is a trademark of Google LLC. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. Availability may vary by device, operating system, account eligibility, and digital wallet provider.
⁸ Digital Card Access: Availability may vary and is subject to system availability, account eligibility, identity verification, and card issuance requirements.