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Credit Cards

Looking for a credit card with PERKS? Check out our NEW Credit Card program!

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Credit Cards

Get the spending power and the credit card you need with the perks that fit your lifestyle! We offer different credit card options to meet your specific financial needs. Apply today!

Looking to earn points for travel, merchandise, gift cards, and more? Check out our Rewards Credit Card!

Want to earn money back? Check out our Cash Back Credit Card!

Want a low rate? Check out our Essentials Credit Card!

New Credit Card Program

  Rewards

Cash Back

Essentials

Rewards Points redeemable for Travel, Merchandise, Gift cards & select Charitable Contributions. 1.5% Cash Back on all purchases.1 Great low rate
Sign-Up Bonus for New Card Accounts 15,000 Bonus Points for spending $1,500 or more in the 1st 3 billing cycles from opening.† None 0% for 6 billing cycles on Purchases made in first 3 billing cycles from opening.²
Balance Transfer Promo for New Cards 0% for 12 billing cycles on Balance Transfers made in first 3 billing cycles from opening.^ None 0% for 6 billing cycles on Balance Transfers made in first 3 billing cycles from opening.²
Rate (as low as) 11.74%* 13.74%* 8.99%*
Rate Type Variable Variable Non-Variable
Annual Fee None None None

 

Manage your floridacentral Credit Card and help protect yourself against card fraud with fc cards. With our fc cards app, you can easily, while on-the-go:

  • Turn ON and OFF your floridacentral Credit Card
  • Set transaction alerts and controls on your floridacentral Credit Card
  • View recent and pending card transactions
  • View card related account details
  • Make a payment to your Credit Card
  • See how many CU Rewards points you have earned
  • Report your Credit Card lost or stolen
  • Raise a dispute on a transaction
  • Set travel notifications

Card registration is a cinch from any mobile device, and access is secure and protected by multi-factor authentication and biometric login (Touch ID and Face ID).

Download the app.

Apple Store  Google Pay

Check out these benefits:

  • When a card is turned on or off, it takes place immediately.
  • When an alert is setup on card transactions, you will typically receive an alert within moments, sometimes instantaneously to your phone or email.
  • Once a control is added or removed and saved, it goes into effect immediately.

Need help with the fc cards app? Simply call 866-820-6775.

Register today!

Pay your way with your mobile device!

You can make purchases quickly, safely, and securely with your floridacentral Debit Card or Credit Card using your smartphone, tablet or smartwatch. Currently available for: (click on the 'Pay' below for instructions on how to set up)

Simply add your floridacentral Debit Card or Credit Card to your device's payment application and set it as your default payment option.

floridacentral Credit Union is not endorsed by or affiliated with Apple Pay®, Google Pay™ , Samsung Pay®, Garmin Pay™, Fitbit Pay™. Each company owns their Pay service and logo. Features and availability of any Pay services are subject to change without notice.

  • Available through the Apple Store and Google Play 
  • Access your CURewards on the go anytime
  • View and Redeem points
  • View your CURewards Mall Offers based on your current location and redeem points for merchandise
  • Securely encrypted for your protection

To report a lost or stolen credit card, please call 1-800-449-7728.

No promotions at this time. 

*Annual Percentage Rate and credit card limit is based on individual applicant’s creditworthiness. Rates as of August 30, 2019. †Bonus points: Purchases must post prior to the end of the 3rd billing cycle to qualify for offer. Points offered through CURewards.com. Balance transfers are not counted toward purchases for Bonus Points. ^0% APR for 12 month time period starts from the date of first balance transfer. Subsequent balance transfers for this promotion will be given a pro-rated time period. Current credit card balances will continue to be charged existing APR. Fees apply for balance transfers. Please allow for 30 days to process your transfer of balance. Total amount of balance transfer cannot exceed available credit. Payments must still be made to original credit card until balance appears on floridacentral credit card statements. Terms and conditions subject to change without notice. Other restrictions apply. ¹Cash Back: Balance Transfers can be done to the Cash Back card but they will not receive Cash Back on any Balance Transfers. Cash Back is on purchases only. Cash Back rebates will be credited to their credit card account in the statement cycle after the statement cycle in which they are earned. Rebates will be based on net purchases minus returns. Rebates will not be distributed on any accountholder that is two or more cycle’s delinquent. Contact floridacentral for complete details. ²Essentials: 0% APR for 6 month time period starts from the date of the first balance transfer. Subsequent balance transfers for this promotion will be given a pro-rated time period. Current credit card balances will continue to be charged existing APR. Fees apply for balance transfers: 2.75% or $20 whichever is greater. Please allow for 30 days to process your transfer of balance. Total amount of balance transfer cannot exceed available credit. Payments must still be made until balance appears on credit card statements. Purchases must post with in the first 6 billing cycles to qualify for 0% APR Terms and conditions subject to change without notice. Other restrictions apply. Contact floridacentral for complete details.