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Visa® Low Rate

SCCU’s Best Low Rate Credit Card!

We understand our members may carry a revolving balance from month to month, which is why we offer the SCCU Low Rate Credit Card, which has a lower rate than our other Visa low-interest rate credit cards!
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Product Features

Terms & Fees
APR* for Purchases 0.00% APR* for the first 6 billing cycles, as low as 14.24% APR* thereafter. (Rates based on creditworthiness.)
APR* for Balance Transfers 0.00% APR* for first 6 billing cycles, then as low as 14.24% APR* thereafter. (Rates based on creditworthiness.)
APR* for Cash Advances 0.00% APR* for first 6 billing cycles, then as low as 14.24% APR* thereafter. (Rates based on creditworthiness.)
Annual Fee $0
Cash Advance Fee $0
Balance Transfer Fee $0
International Transaction Fee 1% of the converted transaction amount
Other Fees Late Payment Fee: up to $27
Minimum Finance Charge $0.50

Frequently Asked Questions

Activating your new SCCU Visa Low Rate credit card is fast and easy: just call 1-888-314-6005.

Every Space Coast Credit Union Visa credit card has features and benefits you can use to save money and build good credit. Some of the low rate card benefits that come with your SCCU Low Rate Visa credit card include:
  • A special introductory rate for the first 6 months44
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • The Visa Zero Liability Policy14, which allows you to shop with peace of mind—you won't be held responsible for unauthorized charges made with your account or your account information
  • Free 2Way Text Fraud Alerts that notify you of potentially fraudulent card activity
  • Free® FICO Score to help you keep up with your credit score and monitor any changes
  • Card Controls, which allows you to control and monitor card usage in the SCCU Mobile app
  • Visa Account Updater, a feature that automatically updates card information with participating merchants

The best low rate credit cards, such as the Space Coast Credit Union Visa Low Rate, can help you save money by paying less interest on your credit card balance. Choosing Space Coast Credit Union, however, brings you even more benefits. All SCCU credit cardholders enjoy these conveniences:
  • Free Online Banking so you can manage your finances when it's most convenient for you.
  • Free Mobile Banking60 that lets you make deposits, pay bills, pay your SCCU loan, and more.
  • Card Controls to manage your card usage withing the SCCU Mobile app, turn your card on and off, and more.

All types of credit cards come with credit limits, of course, but even a single card may have varying credit limits for cardholders. This is because individual credit limits may be based on the cardholder's credit history, credit score, and other factors.

As you search for the best low rate credit cards, be sure to compare not only the APR, but also all of the features and terms of each card, such as:
  • Offers on special introductory rates
  • How long a special introductory rate remains in effect
  • Rewards programs and how rewards are calculated
  • Free services, such as credit scores, fraud alerts, and online account management

New Space Coast Credit Union Visa Low Rate cardholders may be eligible for a special introductory rate—as low as 0% APR for the first six months44—so be sure to ask for details when you apply for your new card.

You will never have to pay an annual fee on your Space Coast Credit Union Visa Low Rate credit card, which comes with even more ways to save, such as no fees for cash advances and no balance transfer fees.

No interest will be charged on purchases if you pay your entire balance owed every month within 25 days of your statement closing date. For cash advances and balance transfers, interest will be charged from the date of the transaction. Paying your balance in full each month is a good way to save money while building good credit.

Using credit cards and other types of borrowing responsibly can have a positive effect on your credit score and overall creditworthiness. Making all of your monthly payments on time and simply using your credit card can be an important part of building a good credit history.

Yes! Space Coast Credit Union makes banking simple with conveniences such as online banking, mobile banking, and online credit card application. Start your application today.

To meet the varying financial needs of our credit union members, we offer a range of credit cards in addition to the SCCU Low Rate Visa credit card, each with unique advantages to help you manage your money. Plus, there are never any tricks, like double-cycle billing or short grace periods.

Space Coast Credit Union credit cards include:
  • Visa Platinum card: This card offers cash back and a low fixed rate. Visa Platinum cardholders may qualify for a special introductory rate for the first 6 months, 1% cash back, and much more. There are no hidden fees or excessive default rates.
  • Visa Signature card: SCCU's Signature Visa credit card is our best credit card rewards offer. You can earn 3% for groceries, 2% at restaurants, and 1% on every other purchase on every dollar spent. You can redeem your points on cash back, entertainment, gift cards, travel, and special offers just for Visa Signature cardholders.
  • Visa Credit Builder card: When you need to rebuild your credit score or start establishing credit, the Visa Credit Builder card may be just right for you. This card uses the funds in your Space Coast Credit Union savings account as collateral for your credit limit and includes money-saving features such as a special introductory rate for new cardholders.
  • Visa Student card: This special credit card is designed for young adults who want to get a start on building their credit. The Visa Student card requires an adult co-signer and is secured by a Space Coast Credit Union savings account.