Suncoast Credit Union · Visa

Platinum Cash Back Visa®

Credit Platinum 0% Intro APR · 12 mo No Foreign Fees

$0 Annual Fee

16.24%–23.24% Variable Purchase APR

670+ Recommended FICO

Cash Back Reward Type

Rewards

Reward TypeCash Back

Base Rate1.5x / 1.5%

Point Value~0.01¢ each

ExpirationCash back will be forfeited if your account is closed or delinquent.

Redemption NotesCash back will be forfeited if your account is closed or delinquent.

Category	Rate	Type	Cap
Gas, Groceries, and Tolls Earn 2% cash back on purchases made at gas stations, grocery stores, and tolls.	2x	Cash Back	No cap
All Other Purchases Earn 1% cash back on all other eligible net purchases.	1x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Purchase Protection

Extended Warranty

Benefit	Category	Value / Coverage
Low Interest Rates The card offers competitive variable APRs, with rates as low as 15.75% for qualified members.	Financial	As low as 15.75% APR
No Annual Fee The Platinum Cash Back Visa does not charge an annual fee for cardholders.	Financial	$0 Up to $0
No Cash Advance Fee Cardholders are not charged a fee for cash advances on this card.	Financial	$0 Up to $0
No Over-the-Limit Fee Cardholders are not charged an over-the-limit fee if they exceed their credit limit.	Financial	$0 Up to $0
Charitable Contribution per Transaction When cardholders use their card, Suncoast donates a portion of the transaction to the Suncoast Credit Union Foundation, a 501(c)(3) nonprofit organization established to help children in local communities.	Other	Complimentary
Cash Back on All Other Purchases Earn 1% cash back on every dollar spent (net) on all other eligible purchases, with money returned in cash and credited to the statement.	Rewards	1% cash back
Cash Back on Gas, Groceries, and Tolls Earn 2% cash back on purchases made at gas stations, grocery stores, and tolls.	Rewards	2% cash back
Contactless Card Technology Cardholders can pay without touching, inserting, or swiping their card by holding it near a contactless-enabled terminal.	Security	Complimentary
Identity Theft Protection (ID Navigator) Cardholders receive identity theft protection through ID Navigator, powered by NortonLifeLock and Visa.	Security	Complimentary
Travel Notification Settings Cardholders can set travel notifications in the SunMobile app or SunNet Online Banking to help prevent their card from being temporarily blocked due to unusual purchase locations.	Security	Complimentary
Visa 3D Secure Provides a secure online shopping experience by helping prevent unauthorized use of a cardholder's card number through dynamic authentication at participating online merchants, with no registration required.	Security	Complimentary

Interest Rates

Intro Purchase APR for 12 months

Intro BT APR for 12 months

Purchase APR16.24%–23.24% Variable

Cash Advance APR23.24%

Min. Interest Charge$0.5

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $5 or 3% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $5 or 3% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $30

Returned Payment FeeUp to $30

Approval & Eligibility

670 Recommended minimum FICO · Range 670–740

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision Time1-3 days

Pre-QualificationNot available

Student EligibleNo

Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers

Manufactured spending (MS) or excessive spending inconsistent with typical consumer behavior; high cumulative credit limit across multiple Suncoast Credit Union products relative to income; frequent balance transfers or cash advances without clear repayment; late payments or defaults on any Suncoast Credit Union accounts; abuse of card benefits or terms and conditions; significant changes in credit profile or financial stability.

Cliff Effect Rules

No specific 'cliff effect' rules or card family restrictions are publicly disclosed for this product. Eligibility for future Suncoast Credit Union cards is generally independent and based on individual creditworthiness and membership status.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Membership is required to apply for the Suncoast Credit Union Platinum Cash Back Visa. Eligibility for membership is restricted to individuals who live, work, attend school, or volunteer in the Florida counties of Charlotte, Citrus, Collier, DeSoto, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Levy, Manatee, Marion, Pasco, Pinellas, Polk, Sarasota, or Sumter. Family members of current Suncoast members are also eligible to join. Applicants must be 18 years or older and are subject to credit approval. Suncoast Credit Union is generally known for member-favorable approvals. This card offers an ongoing 2% cash back on all eligible purchases, with no annual fee, no foreign transaction fees, no balance transfer fees, and no cash advance fees.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

The Military Lending Act (MLA) limits the Military Annual Percentage Rate (MAPR) to 36% for covered active duty service members, their spouses, and dependents, and prohibits certain loan terms. Suncoast provides information to determine if you are a covered borrower.

Hardship Program

Hardship program available.

Suncoast Credit Union

Annual Fee

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APR 16.24%–23.24% Variable

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