Credit Cards

Choose a Card to Match Your Lifestyle!

SCCU provides Visa credit cards for every need. Your credit, your way, with cards built for the Florida lifestyle.

View Rates

Card Controls & Alerts
Real-Time Fraud Alerts
Zero Liability Protection¹⁴
Contactless Payments
Digital Wallet Compatibility
Automatic Card Updates

SCCU Visa® Signature Credit Card

For those who want to earn more on every adventure, the SCCU Visa® Signature Credit Card delivers enhanced point rewards to turn everyday spending into extraordinary experiences.

Whether you’re planning your next trip or enjoying daily rewards, this premium card adds value at every swipe.

Compare Product Below

SCCU Visa® Platinum Credit Card

For members who want to earn while they spend, the Visa® Platinum Credit Card offers simple cash‑back rewards on everyday purchases.

Compare Product Below

SCCU Visa® Low Rate Credit Card

For those looking to take control of their finances, our Visa® Low Rate Credit Card keeps it simple with a low, competitive interest rate—ideal for consolidating debt or carrying a balance. With no rewards or distractions, this card focuses on one thing—saving you money.

Compare Product Below

SCCU Visa® Secured Credit Card

For anyone starting or rebuilding their credit, our Visa® Secured Credit Card provides the tools and support you need to move forward with confidence. Backed by your deposit, this card helps you build or re-establish credit while enjoying the flexibility of everyday purchases.

Compare Product Below

SCCU Visa® Student Credit Card

For students ready to build credit the smart way, our Visa® Student Credit Card is a secured card designed to help students establish healthy financial habits. With responsible use, it helps lay the foundation for future credit success. Plus, you get the convenience and security of Visa in your wallet.

Compare Product Below

	SCCU Visa® Signature Credit Card For those who want to earn more on every adventure, the SCCU Visa Signature Credit Card delivers enhanced point rewards to turn everyday spending into extraordinary experiences. Apply Now	SCCU Visa® Platinum Credit Card Fuel up, stream on, earn more—the Sunshine State’s cash back card! Apply Now	SCCU Visa® Low Rate Credit Card Less interest, more sunshine—keep more money in your pocket! Apply Now	SCCU Visa® Secured Credit Card New to credit or rebuilding? We’ve got your back! Start with a secured card and turn every swipe into a step toward great credit. It’s your journey—take control today! Apply Now	SCCU Visa® Student Credit Card Start building credit with responsible spending—your future self will thank you! Apply Now
Rewards	Rewards 3X points for every $1 spent on travel, streaming services, and groceries 2X points for every $1 spent at restaurants 1X point for every $1 spent on all other purchases Redeem points your way — gift cards, cash back, or with Real-Time Rewards!⁴³	Rewards 2% for every $1 spent on streaming 1.5% for every $1 spent at gas stations and EV charging stations 1% for every $1 spent on all other purchases Redeem cash back directly to your account!³³	Rewards N/A	Rewards N/A	Rewards N/A
Welcome Bonus	Welcome Bonus Earn 25,000 bonus points after you spend $3,000 on purchases in the first 3 months of account opening.⁴³	Welcome Bonus N/A	Welcome Bonus N/A	Welcome Bonus N/A	Welcome Bonus N/A
Intro APR*	Intro APR* 0.00% APR* for the first 6 billing cycles. Applies to purchases, balance transfers, and cash advances made within the first 6 months of opening your account.	Intro APR* 0.00% APR* for the first 6 billing cycles. Applies to purchases, balance transfers, and cash advances made within the first 6 months of opening your account.	Intro APR* 0.00% APR* for the first 6 billing cycles. Applies to purchases, balance transfers, and cash advances made within the first 6 months of opening your account.	Intro APR* N/A	Intro APR* N/A
Standard APR* for Purchases	Standard APR* for Purchases Rates as low as 15.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Purchases Rates as low as 14.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Purchases Rates as low as 12.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Purchases As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Purchases As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)
Standard APR* for Balance Transfers	Standard APR* for Balance Transfers Rates as low as 15.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Balance Transfers Rates as low as 14.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Balance Transfers Rates as low as 12.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Balance Transfers As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Balance Transfers As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)
Standard APR* for Cash Advances	Standard APR* for Cash Advances Rates as low as 15.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Cash Advances Rates as low as 14.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Cash Advances Rates as low as 12.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Cash Advances As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)	Standard APR* for Cash Advances As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.)
Annual Fee	Annual Fee $0	Annual Fee $0	Annual Fee $0	Annual Fee $0	Annual Fee $0
Cash Advance Fee	Cash Advance Fee $0	Cash Advance Fee $0	Cash Advance Fee $0	Cash Advance Fee $0	Cash Advance Fee $0
Balance Transfer Fee	Balance Transfer Fee $0	Balance Transfer Fee $0	Balance Transfer Fee $0	Balance Transfer Fee $0	Balance Transfer Fee $0
International Transaction Fee	International Transaction Fee 1% of the converted transaction amount Pricing & Terms	International Transaction Fee 1% of the converted transaction amount Pricing & Terms	International Transaction Fee 1% of the converted transaction amount Pricing & Terms	International Transaction Fee 1% of the converted transaction amount Pricing & Terms	International Transaction Fee 1% of the converted transaction amount Pricing & Terms
Other Fees	Other Fees Late Payment Fee: up to $27 Pricing & Terms	Other Fees Late Payment Fee: up to $27 Pricing & Terms	Other Fees Late Payment Fee: up to $27 Pricing & Terms	Other Fees Late Payment Fee: up to $27 Pricing & Terms	Other Fees Late Payment Fee: up to $27 Pricing & Terms
Minimum Finance Charge	Minimum Finance Charge $0.50	Minimum Finance Charge $0.50	Minimum Finance Charge $0.50	Minimum Finance Charge $0.50	Minimum Finance Charge $0.50
Credit Line Amounts	Credit Line Amounts Minimum: $5,000	Credit Line Amounts Minimum: $1,000	Credit Line Amounts Minimum: $1,000	Credit Line Amounts Minimum: $300 Maximum: $3,500	Credit Line Amounts Minimum: $300 Maximum: $2,500
Required Minimum Deposit	Required Minimum Deposit N/A	Required Minimum Deposit N/A	Required Minimum Deposit N/A	Required Minimum Deposit $300	Required Minimum Deposit $300
Regular savings account can be used as collateral for the credit line	Regular savings account can be used as collateral for the credit line N/A	Regular savings account can be used as collateral for the credit line N/A	Regular savings account can be used as collateral for the credit line N/A	Regular savings account can be used as collateral for the credit line Yes	Regular savings account can be used as collateral for the credit line Yes
Co-Signer Needed	Co-Signer Needed N/A	Co-Signer Needed N/A	Co-Signer Needed N/A	Co-Signer Needed No	Co-Signer Needed Yes
Requires a joint account holder who is a parent or legal guardian	Requires a joint account holder who is a parent or legal guardian N/A	Requires a joint account holder who is a parent or legal guardian N/A	Requires a joint account holder who is a parent or legal guardian N/A	Requires a joint account holder who is a parent or legal guardian Yes	Requires a joint account holder who is a parent or legal guardian Yes
Age Limit	Age Limit N/A	Age Limit N/A	Age Limit N/A	Age Limit N/A	Age Limit Must be between the ages of 15 and 17
	Apply Now	Apply Now	Apply Now	Apply Now	Apply Now

See our Consumer Credit Card Agreement and Application Solicitation Disclosure.
See Our Visa Signature® Credit Card Rewards Terms and Conditions.
See Our Visa® Platinum Credit Card Cash Back Terms and Conditions.

FAQs

▸ Which credit card is right for me?

The best card depends on how you plan to use it. Some cards are designed for earning rewards, others for saving on interest, and others for building credit. Comparing features side by side can help you choose the option that fits your goals.

▸ Can I add an authorized user to my SCCU credit card?

SCCU consumer credit cards don’t offer authorized users. However, eligible accounts may have joint owners. Joint owners share equal responsibility for the account, including balances and payments, and have full access to the card and account activity.

▸ Can I upgrade my current SCCU credit card to a different product?

In some cases, you may be able to move to a different SCCU credit card. Eligibility depends on your account history and the card you’re interested in. A team member can help review your options.

▸ How can I request a credit limit increase?

You can request a credit limit increase by applying online or by contacting our Express Services team at 800‑447‑7228.

▸ What credit score do I need to apply?

Approval is based on several factors, including credit history and income. SCCU offers credit card options designed for a range of credit profiles—from members with established credit to those who are new to credit or rebuilding.