Credit Cards
Our credit cards are designed to "fit your lifestyle"!
FSU Credit Union's cards are among the most competitive in the market today. And now online credit card access puts you in touch with information and services that help make your Florida State University Credit Union credit card convenient and easier to manage than ever before. Compare below!
Apply for a FSUCU Student Credit Card
All FSUCU credit cards are risk-based which means that your interest rate will vary depending on your credit score. Semiannually, we will have credit scores pulled into our credit card system and your rate may change based on what your credit score is at that point.
Platinum VISA
- 7.95% APR to 18.00% APR*
- No annual fee
- 25-day grace period on purchases
- 24-hour toll-free member service
- Cash advance access at ATMs worldwide
- Travel/Accident Insurance
- *Annual Percentage Rate
Spirit/Standard MasterCard
- 10.95% APR to 18.00% APR*
- No annual fee
- 25-day grace period on purchases
- 24-hour toll-free member service
- Cash advance access at ATMs worldwide
- *Annual Percentage Rate
Student/Classic MasterCard
- 12.95%APR to 18.00% APR*
- No annual fee
- 25-day grace period on purchases
- 24-hour toll-free member service
- Cash advance access at ATMs worldwide
- *Annual Percentage Rate.
| Classic/Student MasterCard | Spirit/Standard MasterCard | Platinum Visa | |
|---|---|---|---|
| Annual Percentage rate for Purchases | 12.95% to 18.00% | 10.95% to 18.00% | 7.95% to 18.00% |
| Other APR's | Cash Advance: 12.95% to 18.00%
1Penalty Rate: 18.00% Balance Transfers: 12.95% to 18.00% |
Cash Advance: 10.95% to 18.00%
1Penalty Rate: 18.00% Balance Transfers: 10.95% to 18.00% |
Cash Advance: 7.95% to 18.00%
1Penalty Rate: 18.00% Balance Transfers: 7.95% to 18.00% |
| Grace Period for Repayment of Balances for Purchases | 25 Days | 25 Days | 25 Days |
| Method for Computing the Balance for Purchases | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) |
| Late Payment Fee | If over 3 days late, a charge equal to 5% of the minimum monthly payment due or $25, whichever is greater. | If over 5 days late, a charge equal to 5% of the minimum monthly payment due or $25, whichever is greater. | If over 5 days late, a charge equal to 5% of the minimum monthly payment due or $25, whichever is greater. |
| Over-the-credit-limit Fee | $25 | $25 | $25 |
| International Transaction Fee | Transactions initiated in foreign countries and / or foreign currencies will be charged to your Account in U.S. Dollars. The conversion rate to dollars will be (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or (b) the government-mandated rate in effect for the applicable central processing date, in each of the above instances, plus a 1% International Transaction Fee that shall be paid to Visa. | ||
Protect your VISA card or MasterCard online with a personal password.
Verified by Visa and MasterCard protects your existing Visa card or MasterCard with a personal password, giving you reassurance that only you can use your Visa card online. Click on the link to the right to register your VISA or MasterCard. Once your card is activated, your card number will be recognized whenever you purchase at participating online stores. You'll enter your password in the Verified by Visa window, your identity will be verified, and the transaction will be completed. In stores that are not yet participating in Verified by Visa or MasterCard, your Visa card or MasterCard will continue to work as usual.
Traveling abroad? Important news about your FSUCU credit/debit card
Credit and Debit Card Contacts
Lost/Stolen: 1-800-449-7728
Customer Service: 1-800-654-7728
