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  Still Using “Other” Credit Cards?
Find out if you can lower your monthly payments by switching to a Suncoast Visa!

Many of us have credit card debt. And when times are tough, it’s all we can do to make the minimum monthly payment. But with rising interest rates, it could take years to pay off your balance. Suncoast offers Visa credit cards with lower rates, so you not only pay less each month, but you can also pay off your balance much quicker.

The average American household has about $8,000 in credit card debt. By transferring your high interest credit card balance to Suncoast, you can save money that can be better used for the things you need each month.

Visa Platinum Rewards Credit Card at 8.9% APR*
Finance Charges on an Average Balance - Annualized
Credit Card Balance Bank A 19.9% APR** Bank B 13.9% APR** Bank C 9.9% APR** Suncoast 8.9%APR*
$8,000 $1,592 $1,112 $792 $712


And there’s more. Suncoast Visa is one of the best credit cards available – there are no hidden fees or punitive interest rates. If you are still using other credit cards, compare them to Suncoast Visa to make sure you’re getting the best deal possible.

Here’s an example of what happens with other credit card issuers:
  • If you’re late or miss a payment, many other credit cards will DOUBLE or MORE THAN DOUBLE your interest rate - not at Suncoast!
  • If you get a cash advance, many other credit cards will charge a 3% fee or at least $10 - not at Suncoast; there’s never a cash advance fee!
  • If you get a cash advance, many other credit cards will DOUBLE or MORE THAN DOUBLE the interest you pay on the amount of the advance - not at Suncoast; you pay the same low interest rate for purchases or cash advances.

Make Suncoast Rewards Visa the only credit card in your wallet.
Apply online now!


*Annual Percentage Rate, effective June 1, 2009, subject to change, subject to credit qualification.
**Annual Percentage Rate, for illustration purposes only.



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Suncoast Visa Credit Cards


Enjoy a Suncoast Visa credit card, featuring ScoreCard Rewards bonus points and no annual fee!

Whether you need a credit card for everyday transactions, overdraft protection, emergencies or major purchases, Suncoast can help. All Suncoast credit cards offer ScoreCard Rewards bonus points, a low interest rate and no balance transfer or cash advance fees!

ScoreCard Rewards Bonus Points
Every time you use a Suncoast Visa credit card for purchases, you earn bonus points. One point is earned for every $1 spent in net purchases. Redeem points for valuable brand-name merchandise and exciting travel rewards. Use your credit card for all your purchases and see how quickly the points add up! To redeem points and learn more, visit scorecardrewards.com.

  No fees for balance transfers, cash advances or using convenience checks.

  Cardholders receive a 25-day interest-free grace period on all new purchases.

  Using your Visa when renting a car provides you with free auto rental insurance to protect you in the event of damage due to collision or theft.

  Purchase plane tickets with your Visa and receive common carrier travel insurance at no charge.

  Access your credit card account 24 hours a day, 7 days a week, for cash advances, inquiries and payments online through SunNet or over the phone on SunTel at (800) 999-5887.

  Low minimum monthly payments - only 2% of balance or $10, whichever is greater.

  0% Liability of Fraud. If fraud does occur, the cardholder will not incur any losses.

  Apply now for your Suncoast Visa credit card!

  • Visa Rewards Platinum - 8.9% APR, credit limit $2,500 to $30,000

  • Visa Classic - 12.9% APR, credit limit $500 to $2,000
  • Visa Student Card - 12.9% APR, credit limit $500
  • Visa Secured Card - 14.9% APR, credit limit $500 to $2,000.
    With a 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.
Report Lost & Stolen Credit Cards call 1-800-645-7728.
Click here PDF document. Requires Adobe Reader version 5.0 or higher. to download the Cardholder Dispute Inquiry Form




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

Suncoast Rewards Platinum Visa featuring Scorecard Rewards






Annual Percentage Rate (APR) for Purchases Other APRs: Cash Advances & Balance Transfers
Classic Student Rewards Platinum Secured
12.9% 12.9% 8.9% 14.9%
Effective: 6/1/2009 Effective: 6/1/2009 Effective: 6/1/2009 Effective: 6/1/2009
Classic Student Rewards Platinum Secured
12.9% 12.9% 8.9% 14.9%
Effective: 6/1/2009 Effective: 6/1/2009 Effective: 6/1/2009 Effective: 6/1/2009
Grace Period for Repayment of Balance for Purchases Method of Computing the Balance for Purchases
You have 25 days calculated from the statement closing date to repay your balance for purchases before finance charges will be imposed. Average Daily Balance
(including new purchases)
Minimum Finance Charge Balance Transfer Fee Cash Advance Fee Over Credit Limit Fee Late Payment Fee
None None None $25 if balance exceeds 5% of limit $25 at 5th day after due date or closing date whichever comes first
Annual Fees
$0 all VISA Cards
Other Fees
  • Rush Card Fee - $25.00
  • Return Check or ACH fee - $27.00
  • Convenience Check and Balance Transfer Stop Payment Order - $20.00
  • Lost/Stolen Replacement Card - $5.00
  • Statement copy - $2.00 per statement copy
  • Excessive research fees - $15.00 per hour
  • Other APRs
    The Credit Card Disclosure Information is accurate as of June 2009; however, the information may have changed after that date. For up-to-date information, please call (813) 621-7511 or 1-800-999-5887, or write the Credit Union at P.O. Box 11904, Tampa, Florida, 33680



    TERMS AND CONDITIONS MAY CHANGE WITHOUT NOTICE
    *APR = Annual Percentage Rate.
     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.