Visa® Platinum

Yes! Our Visa® Platinum credit card connects you to great deals and special offers from Visa on dining, entertainment, shopping, travel and so much more. Learn more about Visa Offers + Perks to find out how your Visa® Platinum credit card can help you save on everything from car rentals, cruises, and international hotels, to designer clothes, adventure tours and theater performances.

Unlike many credit cards that offer low rates but charge you a hefty annual fee, Space Coast Credit Union's Visa® Platinum credit card has no annual fee. Even better, there are no fees for transferring balances from other cards to your Platinum Visa® card or fees for cash advances. This card is just another way SCCU can help you save money.

We make it easy to bank with us, including easy online application for credit cards and loans. Apply online now.

Earning Cash Back rewards is easy with your SCCU Platinum Visa®—when you make a qualifying Cash Back purchase, a Cash Back redemption will be credited to your Space Coast Credit Union savings or checking account. You'll be able to see your redeemed cash back amount on your SCCU credit card statement and, as long as your account remains open and in good standing, your Cash Back won't ever expire.
 
Qualifying Cash Back transactions include in-store purchases made with your account at a retail location or online through eligible links to retailer websites. Your Cash Back for qualifying in-store and online purchases will usually be awarded within 30 days of the date your transaction posted. Once awarded, your Cash Back is automatically added to your cash back redemption balance. Read more about the Cash Back rewards program rules.

Our Visa® Platinum card is one of the most popular credit cards among our members, and for several good reasons:

• You may be eligible for a special introductory rate when you're a new Platinum SCCU cardholder—as low as 0% APR for the first 6 months
• You can earn 1% cash back on qualifying purchases
• You won't be charged an annual fee or cash advance fee
• You can transfer balances from high-rate credit cards with no balance transfer fee
• Your Platinum Visa® card also includes the Visa Zero Liability Policy, which lets you shop without worrying that you'll be held responsible for unauthorized charges made with your account or account information

In addition, all Space Coast Credit Union credit cards feature free Online Banking,  Mobile Banking⁶⁰, and Account Alerts to help you easily manage your accounts from anywhere, at any time. We also offer Card Controls, a complimentary benefit that gives you even more ways to manage card usage, including the ability to turn your card "off" if it is stolen or lost, plus set up customized card alerts and usage preferences that let you control how your card is used.

Most major credit card issuers offer a wide range of cards with various designations—such as platinum, gold, silver and others—but each issuer's cards come with different features and benefits. In general, however, platinum card benefits typically include a higher number of points awarded for meeting certain spending milestones and more points awarded in specific categories, such as travel, restaurants and retail. Here are some of the features to compare as you shop for credit cards:

• Perks such as insurance on purchases or travel, and access to airport lounges
• Limits on the number of points you can earn in a year or in a single statement billing period
• Annual fee amounts
• Minimum and maximum credit limits
• Minimum income requirements
• Credit score requirements

SCCU provides personal Visa® credit cards that meet your unique credit needs. In addition to our Visa® Platinum card, we also offer:

• Visa® Secured: When you want to start building your credit or rebuild your credit score, this alternative credit card may be right for you. This card has a minimum credit limit of $300 and uses the funds in your SCCU savings account as collateral for your credit limit.
• The Student Visa® : Young adults can begin to establish their credit and manage their own finances with this special credit card option. The Student Visa® Credit Builder card requires an adult co-signer and is secured by a savings account on which the student is the primary account holder.

With all types and levels of credit cards, platinum credit card limits may depend upon your personal credit factors and creditworthiness at the time you apply, such as having a good history of paying your debts on time and your credit score. When you're shopping for a platinum credit card, the credit limit on the card should certainly factor in, but there are a number of other aspects to consider when you're looking for the best platinum credit cards. These may include:

• The introductory interest rates
• Costs such as annual fees, balance transfer fees and cash advance fees
• Whether credit card rewards such as cash back rewards are offered
• Whether shopping discounts are offered