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Credit Cards

Choose a Card to Match Your Purchasing Style!

Space Coast Credit Union provides Visa® credit cards for every need. No tricks, like double-cycle billing or short grace periods. Find the best credit card for you and apply today!

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  • Free CardValet® App to Manage Card Usage From Your Phone
  • Visa Zero Liability Protection14
  • Visa Account Updater – Auto update card information with participating merchants
  • Free 2Way Text Fraud Alerts
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • Free FICO® Score
  • Contactless Payments
  • Low Variable Rates
For members with well-established credit, SCCU’s Visa Signature Credit Card offers more benefits, exclusive experiences, merchandise, cashback, and travel rewards with every qualifying purchase.
SCCU’s Visa Platinum Credit Card is rewarding with low rates, no hidden fees, and 1% cashback rewards on qualifying purchases. 
If you tend to carry a revolving balance, then the SCCU’s Visa Low Rate Credit Card can save you money with its lower rates and no hidden fees.
If you're looking to establish or build your credit, SCCU’s Visa Secured Credit Card establishes your credit the secure, easy way by using your SCCU savings account as collateral.
Be safe, secure, and independent with SCCU's Visa Student Credit Card! Members between the ages of 15-18 can establish their credit with a parent co-signer and SCCU savings account as collateral.
Visa Signature®

SCCU’s Visa Signature Credit Card offers rewards with every purchase!

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Visa® Low Rate

SCCU’s Visa Low Rate Credit Card is rewarding with lower rates and no hidden fees.

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Visa® Platinum

SCCU’s Visa Platinum Credit Card is rewarding with low rates, no hidden fees, and Cash Back rewards.

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Visa® Secured

Visa Secured establishes your credit the secure, easy way!

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Visa® Student

Be safe, secure, and independent with SCCU's Visa Student Credit Card!

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Begins with a low line of credit and then increase as needs change
Begins with a low line of credit and then increase as needs change
N/A
Begins with a low line of credit and then increase as needs change
N/A
Begins with a low line of credit and then increase as needs change
N/A
Begins with a low line of credit and then increase as needs change
Yes
Begins with a low line of credit and then increase as needs change
Yes
Variable Rate information
Variable Rate information
0.00% for first 6 billing cycles, as low as 12.24% thereafter
Variable Rate information
0.00% for the first 6 billing cycles, as low as 9.24% thereafter
Variable Rate information
0.00% for the first 6 billing cycles, as low as 11.24% thereafter
Variable Rate information
As low as 14.24%
Variable Rate information
As low as 14.24%
Co-Signer Needed
Co-Signer Needed
N/A
Co-Signer Needed
N/A
Co-Signer Needed
N/A
Co-Signer Needed
N/A
Co-Signer Needed
Yes
Other APRs
Other APRs
Balance Transfer: 0% for first 6 billing cycles, then as low as 12.24% thereafter
Other APRs
Balance Transfer: 0% for first 6 billing cycles, then as low as 9.24% thereafter
Other APRs
Balance Transfer: 0% for first 6 billing cycles, then as low as 11.24% thereafter
Other APRs
Balance Transfer: As low as 14.24%
Other APRs
Balance Transfer: As low as 14.24%
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
Cash Advance
Cash Advance
0% for first 6 billing cycles, then as low as 12.24% thereafter
Cash Advance
0% for first 6 billing cycles, then as low as 9.24% thereafter
Cash Advance
0% for first 6 billing cycles, then as low as 11.24% thereafter
Cash Advance
As low as 14.24%
Cash Advance
As low as 14.24%
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
N/A
Requires a joint account holder who is a parent or legal guardian
Yes
Annual Fee
Annual Fee
$0
Annual Fee
$0
Annual Fee
$0
Annual Fee
$0
Annual Fee
$0
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 18
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
International Transaction Fee
1% of the converted transaction amount
International Transaction Fee
1% of the converted transaction amount
International Transaction Fee
1% of the converted transaction amount
International Transaction Fee
1% of the converted transaction amount
Other Fees
Other Fees
Late Payment Fee: up to $27
Other Fees
Late Payment Fee: up to $27
Other Fees
Late Payment Fee: up to $27
Other Fees
Late Payment Fee: up to $27
Other Fees
Late Payment Fee: up to $27
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
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Frequently Asked Questions

If you need a new or replacement credit or debit card, you can call our Member Service Center, visit any of our branches or submit a request via Online Banking.
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During business hours:
Immediately call SCCU's Member Service Center, visit any of our branches or send a secured message via online banking to report the problem. You may also utilize CardValet’s turn card off/on feature to temporarily turn off card to prevent additional transactions from occurring.
 
Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
A team member will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 8 calendar days. A team member will discuss any further action to be taken on your part, if that is applicable to your situation.

Please have the following information available:

• Name
• 16 Digit Card Number
• Social Security Number
• Member Number

If you are reporting a fraudulent transaction, please also provide the following information: 

• Type of transaction (debit or credit)
• Date of transaction(s)
• Merchant(s)
• Dollar Amount(s)
 
After business hours:
Call SCCU at your local number below, and choose Option 1 for Telephone Banking or the Member Service Center. Then, Option 0 for After Hours Card Support.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
Please have the following information available:
• Name
• 16 Digit Card Number
• Social Security Number

Please note the following important information:
• Your call will be rerouted to After Hours Card Support.
• The only action that will be taken during an afterhours call is to block your card.
• Please contact SCCU during normal business hours as soon as possible after reporting your card problem, so that a team member can assist you with the additional actions necessary for your account.
Members with an Eastern Financial MasterCard® Credit Card or HELOC Platinum Visa® Credit Card
• To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485.
• To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228.
Don’t forget to monitor your account for unauthorized activity, and report any suspicious transactions to SCCU.
• Log on to Online Banking any time to view current account activity. Don’t wait for your monthly statement.
• If you do not use Online Banking, carefully review your monthly statement and contact SCCU to report any suspicious activity.
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You can activate your card by calling 1-888-314-6005.
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During normal business hours:

To initiate a dispute or fraud claim, you may visit any local branch, contact our Member Service Center or complete the dispute form located in Online Banking. To view the form in Online Banking, you must log in, click Contact Us, then Secured Forms and choose the appropriate form.

After Business Hours:

If you experience potential fraud on your account afterhours, you can contact us at your local number below, and choose Option 1 for Telephone Banking or the Member Service Center. Then, Option 0 for After Hours Card Support. A representative will assist you with verifying potential fraudulent transactions on your account and blocking your card immediately.

You will need to contact SCCU during normal business hours to request a replacement debit or credit card as well as to file a dispute or fraud claim. You can either contact us at your local number below or complete the required forms in Online Banking. To view the form in Online Banking, you must log in, click Contact Us, then Secured Forms and choose the appropriate form.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
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2Way Text Fraud Alerts help to protect you by immediately alerting you of a possible fraudulent transaction on your card through text. Through this service you can respond to potential threats in real time by texting back YES to verify the transaction or NO to confirm the transaction as fraudulent behavior. This will allow you and SCCU to take quicker action to prevent further fraudulent activity on your account. 
 
This feature is in addition to our current fraud alerts program. Now you will receive real time alerts three different ways - email, phone, and text.  
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You can report fraud on your card by calling the Member Service Center at 1-800-447-7228 or by sending a secure message through Online Banking.
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Visa Account Updater provides participating merchants with your updated card number and expiration date for established reoccurring payments. This complimentary member benefit provides peace of mind knowing you won’t have to update each account with a reoccurring payment if your card is reissued due to expiration or if your card is lost or stolen. To opt-out of Visa Account Updater, please send us a Secure Message in Online Banking or call 800-447-7228.
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