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!
- Free 2Way Text Fraud Alerts
- Contactless Payments
- Free Card Controls to Manage Card Usage in the SCCU Mobile App
- Free FICO® Score
- ID Navigator Powered by NortonLifeLock46
- Low Variable Rates
- No Annual Fee
- No Balance Transfer Fee
- No Cash Advance Fee
- Roadside Assistance
- Visa Account Updater – Auto update card information with participating merchants
- Visa Zero Liability Protection14
- Digital Wallet Payment Options
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. The minimum required deposit is $300 with a $3,500 credit line maximum.
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!
Apply Now
|
Visa® Platinum
SCCU’s Visa Platinum Credit Card is rewarding with low rates, no hidden fees, and Cash Back rewards.
Apply Now
|
Visa® Low Rate
SCCU’s Visa Low Rate Credit Card is rewarding with lower rates and no hidden fees.
Apply Now
|
Visa® Secured
Visa Secured establishes your credit the secure, easy way!
Apply Now
|
Visa® Student
Be safe, secure, and independent with SCCU's Visa Student Credit Card!
Apply Now
|
|
|---|---|---|---|---|---|
| APR* for Purchases |
APR* for Purchases
0.00% APR* for first 6 billing cycles, as low as 17.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Purchases
0.00% APR* for the first 6 billing cycles, as low as 16.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Purchases
0.00% APR* for the first 6 billing cycles, as low as 14.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Purchases
As low as 18.00% APR* (Rates based on creditworthiness.) |
APR* for Purchases
As low as 18.00% APR* (Rates based on creditworthiness.) |
| APR* for Balance Transfers |
APR* for Balance Transfers
0.00% APR* for first 6 billing cycles, then as low as 17.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Balance Transfers
0.00% APR* for first 6 billing cycles, then as low as 16.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Balance Transfers
0.00% APR* for first 6 billing cycles, then as low as 14.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Balance Transfers
As low as 18.00% APR* (Rates based on creditworthiness.) |
APR* for Balance Transfers
As low as 18.00% APR* (Rates based on creditworthiness.) |
| APR* for Cash Advances |
APR* for Cash Advances
0.00% APR* for first 6 billing cycles, then as low as 17.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Cash Advances
0.00% APR* for first 6 billing cycles, then as low as 16.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Cash Advances
0.00% APR* for first 6 billing cycles, then as low as 14.49% APR* thereafter. (Rates based on creditworthiness.) |
APR* for Cash Advances
As low as 18.00% APR* (Rates based on creditworthiness.) ​ |
APR* for Cash Advances
As low as 18.00% APR* (Rates based on creditworthiness.) ​ |
| 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 |
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 |
| 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
N/A
|
| Credit Line Maximum |
Credit Line Maximum
N/A
|
Credit Line Maximum
N/A
|
Credit Line Maximum
N/A
|
Credit Line Maximum
$3500 |
Credit Line Maximum
N/A
|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Apply Now | Apply Now | Apply Now | Apply Now | Apply Now |
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.
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 can also access Card Controls in the Mobile Banking app to turn cards off/on 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.
You can activate your card by calling 1-888-314-6005.
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
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.
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.
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.