The Florida Credit Union is a personal credit card from Florida Credit Union. The annual fee is No annual fee. Rewards: Redemption options include merchandise, gift cards, event tickets, cash back, and more (FCU Rewards HQ). Typical credit limit: Credit range from $2,000 to $50,000. Loan terms: Your due date is at least 25 days after the close of each billing cycle; no interest on new purchases if you pay your entire balance by the due date each month.