Consumer Credit Cards

Enjoy financial flexibility and rewarding benefits. Explore our consumer credit cards.

We make choosing the right credit cards easier than ever. Whether you want to pay down or transfer credit card balances fast, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

 

Seacoast Personal Credit Card Benefits
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Convenient purchasing power accepted at millions of locations worldwide.
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Use your card anywhere, anytime. Enjoy mobile purchasing capability for added convenience.
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Zero Fraud Liability* has you covered. You won’t be liable for fraudulent purchases when your card is lost or stolen.
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Get answers around the clock. Cardmember Service available 24 hours a day/365 days per year.

Apply for Your Credit Card Online Today

Apply online to unlock the advantages of a credit card made for our Florida community.
Start your Seacoast credit card application today.

FAQs

Can you pay someone with a credit card?

  • Yes, you can pay someone with a credit card by connecting your credit card to your mobile wallet. This allows you to access your credit card without carrying it with you.

Can a person under 18 get a credit card?

  • A person under 18 cannot have their own credit card without a guardian on the account. However, they can become an authorized user on a parent’s or guardian’s credit card.

What is APR on a credit card?

  • APR, or Annual Percentage Rate, is the interest rate you’ll pay on any outstanding balance on your credit card. It’s expressed as an annual rate but typically applied monthly.

Does it hurt my credit to open a credit card?

  • Opening a new credit card can temporarily lower your credit score due to the hard inquiry on your credit report. However, if you manage the card responsibly—by making payments on time and keeping your balance low— you can use credit cards to your advantage and help improve your credit score over time.

How do I choose the right credit card for me?

  • Look at factors like the APR, rewards programs, annual fees and any additional benefits such as purchase protection. Also, check the card’s terms for grace periods, late fees, and foreign transaction fees to see if it fits you.

What is a credit limit, and how is it determined?

  • A credit limit is the maximum amount of credit that is extended to you on your credit card. It is determined based on factors like your credit score, income and creditworthiness.

What is a balance transfer, and should I consider it?

  • A balance transfer involves moving debt from one credit card to another, usually to take advantage of a lower interest rate. While it can offer an appealing solution, it should not be done regularly.

    If you've never performed a balance transfer before, it can offer some relief to your financial situation and should be considered.

    If you've had balance transfers done in the past and are considering another, you may want to look at a more long-term solution that reduces your debt completely.

    Read these four myths about personal credit to learn about how your credit is affected by different actions.

What should I do if my credit card is lost or stolen?

  • If your credit card is lost or stolen, you should immediately report it by calling 800.706.9991. A Seacoast team member will freeze your account to prevent unauthorized transactions and issue you a new card.

    Look for card issuers that offer fraud protection. Seacoast Visa® credit cards have a zero-liability policy that protects cardholders from fraudulent charges. If someone attempts to make unauthorized purchases with your stolen card, you are not obligated to repay the charge.

What is the difference between a business credit card and a personal credit card?

  • Both business credit cards and personal credit cards build credit for the account holder. Business credit cards build credit for the business itself, not the owner, whereas personal credit cards build credit for you personally.

    Business credit cards also typically offer more benefits and have higher monthly limits.

 

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.