The Florida Credit Union is a personal credit card from Florida Credit Union. The annual fee is No annual fee. Signup bonus: 15,000 bonus points after account opening; cardholder must spend $3,000 within the first 90 days of account opening. Rewards: 2% cash back on gas & groceries; 1.5% on pharmacy, health services, and restaurants; 1% on all other purchases; points redeemable for cash back through FCU Rewards HQ. Typical credit limit: Credit range from $5,000 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.