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You Asked and We Listened! Now You Can Choose The Visa Credit Card Rewards That Matter To You Most...Cash Back or Scorecard Rewards Bonus Points!

When you use the Suncoast Rewards Platinum Visa, you'll benefit from a very low interest rate, no annual fee, and your choice of rewards. Plus, each time you use your card, Suncoast donates two cents to the Suncoast for Kids Foundation to benefit children in the local community.

  • Choose Cash Back Rewards and receive 1% cash back on everything that you buy (net purchases).
  • Choose ScoreCard Rewards Bonus Points and receive one point for each dollar spent (net purchases) redeemable for travel and merchandise. To see the valuable rewards available, visit scorecardrewards.com

If you currently have a Suncoast Platinum Visa Credit Card and you want to select Cash Back Rewards, here's how:
  • Log onto SunNet Online Banking
  • Click the "Inbox" link on the main menu to compose a new Secure Message
  • Choose "Credit Cards" as the subject
  • Send Suncoast an email with the following information: your credit card number and debit card number (any earned rewards point will automatically be moved to your debit card) along with your request. This email will be sent through our secure online banking site for your protection.
  • You will be issued a new credit card and account number within 5-7 business days. Upon activation of your new card, your previous card will deactivate.
  • Make sure you notify any merchants with your new account number to update any automatic debits or payments.
  • Or if you prefer, call the Members Contact Center or visit any Service Center to process your request!
Suncoast Rewards Platinum Visa is one of the best credit cards available. Don't miss out on these amazing features:
  • No annual fee.
  • Choose 1% Cash Back or ScoreCard Rewards Bonus Points - view comparsion chart.
  • No expiration on rewards.

  • No fees for balance transfers, cash advances or using convenience checks.
  • No punitive interest rates for late or missed payments.
  • 25-day interest-free grace period on all new purchases.

  • Cards for additional users at no extra charge.
  • Free automatic car rental insurance.
  • Free common carrier travel insurance when your purchase plane tickets with your card.

  • 24/7 online or telephone access for cash advances, inquiries and payments.
  • Low minimum monthly payments - only 2% of balance or $10, whichever is greater.
  • 0% Liability for Fraud. If fraud does occur, you will not incur losses.
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  Apply now for your Suncoast Visa credit card!

  • Rewards Platinum Visa- as low as 8.9% APR for purchases, 10.9% APR for cash advances, balance transfers and convenience checks. Credit limit $500 to $30,000.
  • Rewards Classic Starter Visa - 12.9% APR for purchases, 14.9% APR for cash advances, balance transfers and convenience checks. Credit limit $300 to $500.
  • Rewards Student Classic Visa - 12.9% APR for purchases, 14.9% APR for cash advances, balance transfers and convenience checks. Credit limit $500.
  • Rewards Share Secured Visa - 14.9% APR for purchases, 16.9% APR for cash advances, balance transfers and convenience checks. Credit limit $500 to $2,000.
    With a Rewards Share Secured Visa credit card, members without established credit or with past credit challenges can enjoy a low rate credit card by pledging their share savings or certificate account to secure the card.

Important information for managing your Rewards Visa:

Report Lost & Stolen Credit Cards call 1-800-645-7728.

Download the Cardholder Dispute Inquiry Form PDF document. Requires Adobe Reader version 5.0 or higher.

Practical Money Skills For Life
PracticalMoneySkills.com is a free Web site designed to help educators, parents and students practice better money management for life.

Domestic & Overseas Travel Notification

ACH Credit Card Payments from other Banking Institutions

New Account Disclosure PDF document. Requires Adobe Reader version 5.0 or higher.


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 8.9% to 16.9% when you open your account, based on your creditworthiness.
APR for Balance Transfers 10.9% to 18.0%
APR for Cash Advances 10.9% to 18.0%
Penalty APR and When it Applies Not Applicable
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Paying Interest We will begin charging interest on cash advances, balance transfers and convenience checks on the transaction date.
Minimum Interest Charge Not Applicable
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore/


Fees
Annual Fee
 None
Transaction Fees
  Balance Transfer
  Cash Advance
  Foreign Transaction
None
None
1% of each transaction in US Dollars
Penalty Fees
  Late Payment
  Over-the-Credit Limit
  Returned payment
Up to $25 charged 5 days after due date or closing date, whichever comes first.
None
Up to $25
Other Fees
  Card Replacement
  Required Account Protector   Plan
$5
None
How We Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)". See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your account agreement.


TERMS AND CONDITIONS MAY CHANGE WITHOUT NOTICE
*APR = Annual Percentage Rate.
Subject to term and credit qualifications
Annual percentage rates may vary.
Annual percentage rates may change during loan terms on variable rate products.
Membership and / or participation fees may apply. Inquire about specific fees for a product through your credit union.
Equal Housing Lender , Your Savings Federally Insured to at least $250,000 & backed by the full faith & credit of the U.S. Government click here to visit NCUA
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