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The Verdict: Members of Tampa’s Suncoast Schools Federal Credit Union have options when they apply for the credit union’s Suncoast Rewards Platinum Visa credit card. They can either choose to receive cash back with every purchase or they can opt to receive rewards points with every dollar that they charge. Whichever option they take, they’ll be getting a rewards card with one of the lower purchase interest rates in the industry.
Overview: Like many credit union credit cards, the Suncoast Rewards Platinum Visa card comes with a low purchase interest rate, depending on the strength of applicants’ credit.
How This Card Works: Every time you make a purchase with the Suncoast Rewards Platinum Visa card, you’ll either earn cash back or rewards points, depending upon which program you choose.
Travel & Shopping Benefits: If you select the cash-back option, you’ll receive 1 percent cash back on every purchase that you make. If you choose the rewards points option, you’ll receive one rewards point for every dollar that you charge. Once you’ve earned enough rewards points, you can redeem them for travel on major airlines, gift certificates, electronics, hotel stays and other rewards.
Fees: The purchase interest rate attached to the Suncoast Rewards Platinum Visa card is 8.9 percent, if you have strong credit. There is no annual fee, cash-advance fee or over-the-limit fee associated with this card. The card will charge a $25 late-payment fee.
Pros:
- No annual fee, cash-advance fee or over-the-limit fee.
- Choose cash-back or rewards-points options.
- Low purchase interest rates.
Cons:
- Must be member of Suncoast Schools Federal Credit Union to apply.
