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41

Classic Card

Florida West Coast Credit Union

NationalFixed rateCredit score 620–719
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
10 days

Contract X-Ray — what's buried in the fine print

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Florida West Coast Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered12.96%
Median12.96%
Highest offered12.96%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Card Replacement Fee$10

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

1 document filed by Florida West Coast Credit Union in the 2026 Q1 archive.

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