Rewards Classic Starter Visa

When you're ready for your first credit card, let Suncoast help! All Suncoast Visa credit cards feature very low interest rates, no annual fees and your choice of rewards. You have the option of selecting the rewards that matter to you most:

ScoreCard Rewards Bonus Points – One point is earned for every $1 spent (net purchases). Redeem points for valuable brand-name merchandise and exciting travel rewards. To redeem points and learn more, visit scorecardrewards.com.

Plus, each time you use your card, Suncoast donates two cents to the Suncoast for Kids Foundation to benefit children in the local community.

With Rewards Classic Starter Visa you will receive:

• As low as 12.9% Annual Percentage Rate (APR) for purchases
• As low as 14.9% APR for cash advances, balance transfers and convenience checks
• Credit limit $300 to $500
• No annual fee
• No expiration on rewards
• No fees for balance transfers, cash advances or using convenience checks
• No punitive interest rates for late or missed payments
• 25-day interest-free grace period on all new purchases
• Cards for additional users at no extra charge


• Free automatic auto rental insurance; provides coverage due to collision or theft
• $250,000 common carrier travel insurance at no charge when you purchase plane tickets with your card
• 24/7 online or telephone access for cash advances, inquiries and payments
• Low minimum monthly payments — only 2% of balance or $10, whichever is greater
• 0% Liability for Fraud. If fraud does occur, you will incur no losses

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.9% to 16.9% when you open your account, based on your creditworthiness. APR for Balance Transfers 10.9% to 18.0% APR for Cash Advances 10.9% to 18.0% Penalty APR and When it Applies Not Applicable How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Paying Interest We will begin charging interest on cash advances, balance transfers and convenience checks on the transaction date. Minimum Interest Charge Not Applicable For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore/ Fees Annual Fee None Transaction Fees   Balance Transfer   Cash Advance   Foreign Transaction None None 1% of each transaction in US Dollars Penalty Fees   Late Payment   Over-the-Credit Limit   Returned payment Up to $25 charged 5 days after due date or closing date, whichever comes first. None Up to $25 Other Fees   Card Replacement   Required Account Protector   Plan $5 None How We Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)". See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your account agreement.