Truist Enjoy Beyond
30,000 bonus points after you spend $1,500 on purchases within 90 days of account opening
Every card we hold for the United States that our records do not limit to another part of the country, with cards limited to Florida and issuers our Florida research names listed first.
*every note about Florida on this page quotes the page it came from, with the date we read it.
Each note is taken from the page shown under it. Rules change, so the date we read the page is printed beside it.
Florida Statute 501.0117 nominally bans credit-card surcharges, but it was held unconstitutional by federal courts
“Florida has a law prohibiting credit card surcharges, but that law was held unconstitutional by federal courts.”
“Therefore, merchants in Florida may add a surcharge to credit card purchases.”
“The Eleventh Circuit’s ruling rendered Florida’s surcharge ban unenforceable, freeing merchants from state penalties for adding a credit card surcharge”
Where these issuers have branches, as the regulator's register lists them, with the date we read it. A branch here is not a limit on who may apply — many of these cards are open nationwide — and having no branch here does not rule a card out. The issuer's own page says who can apply. "Regional" means a branch network in at most half the country.
435 branches in Florida
FDIC BankFind lists 435 full-service offices of "Truist Bank" (CERT 9846) in Florida, out of 1,908 full-service offices in 18 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Truist Bank · 11 on file
30,000 bonus points after you spend $1,500 on purchases within 90 days of account opening
Earn $1,000 in bonus rewards after you spend $15,000 on purchases in the first 90 days after account opening.
Visa card issued by Truist Bank.
269 branches in Florida
FDIC BankFind lists 269 full-service offices of "Regions Bank" (CERT 12368) in Florida, out of 1,221 full-service offices in 15 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Regions Bank · 6 on file
Visa card issued by Regions Bank.
Visa card issued by Regions Bank.
Visa card issued by Regions Bank.
217 branches in Florida
FDIC BankFind lists 217 full-service offices of "Fifth Third Bank, National Association" (CERT 6672) in Florida, out of 1,486 full-service offices in 15 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Fifth Third Bank · 14 on file
Credit card issued by Fifth Third Bank.
Credit card issued by Fifth Third Bank.
Credit card issued by Fifth Third Bank.
159 branches in Florida
FDIC BankFind lists 159 full-service offices of "TD Bank, National Association" (CERT 18409) in Florida, out of 1,046 full-service offices in 16 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
TD Bank (TD Bank USA) · 10 on file
Visa card issued by TD Bank (TD Bank USA).
Visa card issued by TD Bank (TD Bank USA).
Visa card issued by TD Bank (TD Bank USA).
89 branches in Florida
NCUA's 2026-06 call-report branch file lists 89 offices with member services of "VYSTAR" (charter 68490) in Florida, out of 97 offices with member services in 2 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Vystar Credit Union · 7 on file
Visa card issued by Vystar Credit Union.
Visa card issued by Vystar Credit Union.
Visa card issued by Vystar Credit Union.
79 branches in Florida
NCUA's 2026-06 call-report branch file lists 79 offices with member services of "SUNCOAST" (charter 68645) in Florida, out of 79 offices with member services in 1 state.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Suncoast Credit Union · 5 on file
Visa card issued by Suncoast Credit Union.
Visa card issued by Suncoast Credit Union.
Visa card issued by Suncoast Credit Union.
56 branches in Florida
FDIC BankFind lists 56 full-service offices of "Citibank, National Association" (CERT 7213) in Florida, out of 659 full-service offices in 11 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Citibank / Citigroup · 26 on file
Mastercard issued by Citibank / Citigroup.
Mastercard issued by Citibank / Citigroup.
Mastercard issued by Citibank / Citigroup.
30 branches in Florida
NCUA's 2026-06 call-report branch file lists 30 offices with member services of "FAIRWINDS" (charter 68417) in Florida, out of 30 offices with member services in 1 state.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Fairwinds Credit Union · 1 on file
Receive a welcome bonus of 60,000 points when you spend $5,000 in the first three months from account opening, a $900 travel value.
27 branches in Florida
FDIC BankFind lists 27 full-service offices of "First-Citizens Bank & Trust Company" (CERT 11063) in Florida, out of 509 full-service offices in 23 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
First Citizens Bank · 9 on file
Get $100 cash back when you spend $3,000 in the first 90 days.
Credit card issued by First Citizens Bank.
Get 10,000 bonus points when you spend $3,000 in the first 90 days.
22 branches in Florida
NCUA's 2026-06 call-report branch file lists 22 offices with member services of "GROW FINANCIAL" (charter 9976) in Florida, out of 26 offices with member services in 2 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Grow Financial Federal Credit Union · 1 on file
Visa card issued by Grow Financial Federal Credit Union.
20 branches in Florida
FDIC BankFind lists 20 full-service offices of "The Huntington National Bank" (CERT 6560) in Florida, out of 1,407 full-service offices in 21 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Huntington Bank · 7 on file
Mastercard issued by Huntington Bank.
Mastercard issued by Huntington Bank.
Mastercard issued by Huntington Bank.
17 branches in Florida
FDIC BankFind lists 17 full-service offices of "BMO Bank National Association" (CERT 16571) in Florida, out of 957 full-service offices in 22 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
BMO (Bank of Montreal US / BMO Harris) · 7 on file
Mastercard issued by BMO (Bank of Montreal US / BMO Harris).
Mastercard issued by BMO (Bank of Montreal US / BMO Harris).
Get 15,000 bonus points when you spend $1,500 within 3 months of opening your account.
9 branches in Florida
NCUA's 2026-06 call-report branch file lists 9 offices with member services of "DFCU FINANCIAL" (charter 61844) in Florida, out of 39 offices with member services in 2 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
DFCU Financial · 1 on file
Mastercard issued by DFCU Financial.
9 branches in Florida
NCUA's 2026-06 call-report branch file lists 9 offices with member services of "PUBLIX EMPLOYEES" (charter 23020) in Florida, out of 10 offices with member services in 2 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Publix Employees Federal Credit Union · 2 on file
Visa card issued by Publix Employees Federal Credit Union.
Visa card issued by Publix Employees Federal Credit Union.
8 branches in Florida
FDIC BankFind lists 8 full-service offices of "Citizens Bank, National Association" (CERT 57957) in Florida, out of 966 full-service offices in 16 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Citizens Bank · 9 on file
Mastercard issued by Citizens Bank.
Mastercard issued by Citizens Bank.
Mastercard issued by Citizens Bank.
7 branches in Florida
NCUA's 2026-06 call-report branch file lists 7 offices with member services of "ORLANDO" (charter 68706) in Florida, out of 7 offices with member services in 1 state.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Orlando Credit Union · 3 on file
Credit card issued by Orlando Credit Union.
Credit card issued by Orlando Credit Union.
Credit card issued by Orlando Credit Union.
5 branches in Florida
NCUA's 2026-06 call-report branch file lists 5 offices with member services of "FLORIDA WEST COAST" (charter 67337) in Florida, out of 5 offices with member services in 1 state.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Florida West Coast Credit Union · 1 on file
Credit card issued by Florida West Coast Credit Union.
3 branches in Florida
FDIC BankFind lists 3 full-service offices of "KeyBank National Association" (CERT 17534) in Florida, out of 940 full-service offices in 16 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
KeyBank · 7 on file
Mastercard issued by KeyBank.
Mastercard issued by KeyBank.
Mastercard issued by KeyBank.
3 branches in Florida
FDIC BankFind lists 3 full-service offices of "Manufacturers and Traders Trust Company" (CERT 588) in Florida, out of 908 full-service offices in 14 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
M&T Bank · 6 on file
Visa card issued by M&T Bank.
Visa card issued by M&T Bank.
Visa card issued by M&T Bank.
2 branches in Florida
FDIC BankFind lists 2 full-service offices of "HSBC Bank USA, National Association" (CERT 57890) in Florida, out of 21 full-service offices in 7 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
HSBC Bank USA · 2 on file
Mastercard issued by HSBC Bank USA.
Mastercard issued by HSBC Bank USA.
2 branches in Florida
NCUA's 2026-06 call-report branch file lists 2 offices with member services of "JUSTICE" (charter 151) in Florida, out of 21 offices with member services in 9 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Justice Federal Credit Union · 13 on file
Visa card issued by Justice Federal Credit Union.
Visa card issued by Justice Federal Credit Union.
Visa card issued by Justice Federal Credit Union.
2 branches in Florida
NCUA's 2026-06 call-report branch file lists 2 offices with member services of "PENTAGON" (charter 227) in Florida, out of 38 offices with member services in 13 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Pentagon Federal Credit Union (PenFed) · 5 on file
Visa card issued by Pentagon Federal Credit Union (PenFed).
Visa card issued by Pentagon Federal Credit Union (PenFed).
Visa card issued by Pentagon Federal Credit Union (PenFed).
2 branches in Florida
FDIC BankFind lists 2 full-service offices of "Santander Bank, N.A." (CERT 29950) in Florida, out of 555 full-service offices in 9 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Santander Bank (US) · 1 on file
Mastercard issued by Santander Bank (US).
1 branch in Florida
NCUA's 2026-06 call-report branch file lists 1 office with member services of "TRUGROCER" (charter 17127) in Florida, out of 7 offices with member services in 6 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Trugrocer Federal Credit Union · 1 on file
Spend $500 within the first 90 days of account opening and receive 10,000 bonus points = to $100 cashback!
1 branch in Florida
NCUA's 2026-06 call-report branch file lists 1 office with member services of "WINGS" (charter 68671) in Florida, out of 89 offices with member services in 6 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Wings Financial Credit Union · 1 on file
Visa card issued by Wings Financial Credit Union.
452 branches in Florida
FDIC BankFind lists 452 full-service offices of "Wells Fargo Bank, National Association" (CERT 3511) in Florida, out of 4,064 full-service offices in 37 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Wells Fargo · 11 on file
Mastercard issued by Wells Fargo.
Mastercard issued by Wells Fargo.
Mastercard issued by Wells Fargo.
434 branches in Florida
FDIC BankFind lists 434 full-service offices of "JPMorgan Chase Bank, National Association" (CERT 628) in Florida, out of 5,145 full-service offices in 49 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
JPMorgan Chase Bank · 42 on file
New Cardmember Bonus – 75,000 Points: To qualify, you must make $5,000 in purchases during the first 3 months from account opening.
New Cardmember Bonus - 100,000 Points: To qualify, you must make $6,000 in purchases during the first 3 months from account opening.
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
406 branches in Florida
FDIC BankFind lists 406 full-service offices of "Bank of America, National Association" (CERT 3510) in Florida, out of 3,523 full-service offices in 39 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Bank of America · 29 on file
Visa card issued by Bank of America.
Mastercard issued by Bank of America.
Mastercard issued by Bank of America.
197 branches in Florida
FDIC BankFind lists 197 full-service offices of "PNC Bank, National Association" (CERT 6384) in Florida, out of 2,303 full-service offices in 28 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
PNC Bank · 11 on file
Earn a $400 Statement Credit After making at least $3,000 in net purchases during the first three billing cycles following account opening.
Visa card issued by PNC Bank.
Visa card issued by PNC Bank.
35 branches in Florida
NCUA's 2026-06 call-report branch file lists 35 offices with member services of "NAVY FEDERAL CREDIT UNION" (charter 5536) in Florida, out of 361 offices with member services in 32 states.
Source: NCUA call report (ncua.gov) · read Oct 7, 2026
Navy Federal Credit Union · 8 on file
Amex card issued by Navy Federal Credit Union.
You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening
Visa card issued by Navy Federal Credit Union.
3 branches in Florida
FDIC BankFind lists 3 full-service offices of "U.S. Bank National Association" (CERT 6548) in Florida, out of 2,075 full-service offices in 29 states.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
U.S. Bank · 19 on file
Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.
Visa card issued by U.S. Bank.
Visa card issued by U.S. Bank.
1 branch in Florida
FDIC BankFind lists 1 full-service office of "TCM Bank, National Association" (CERT 34535) in Florida, out of 1 full-service office in 1 state.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Tcm Bank, National Association · 1 on file
Credit card issued by Tcm Bank, National Association.
Cities where several card issuers in our catalogue have branches, each with its own list.
Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days of account opening
Welcome bonus | Receive 20% off your first purchase with your new card at Athleta
Receive 20% off your first purchase with your new card at Banana Republic
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening
Earn 5,000 bonus points when you spend $1,000 in the first 90 days
Earn 20,000 in bonus points when you spend $3,000 within the first 90 days. That's equal to $200 in gift cards!
Welcome bonus | Receive 20% off your first purchase with your new card at Gap
One-Time $100 Cash Back Bonus Earn 10,000 bonus points (a $100 value) when you spend $2,500 within first 3 months
Welcome bonus | Receive 30% off your first purchase with your new card at Old Navy
Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.
Get 10,000 bonus points when you spend at least $1,000 on your new card within the first 90 days.
Receive 5,000 points for $1,000+ spent in the first 90 days
Earn $150 as a Statement Credit** when you spend $250 within the first three billing cycles after your Universal Rewards Visa Signature® Card account is open.
$100 cash back when you spend $1,000 on purchases within the first three months of account opening.^
Visa card issued by Alliant Credit Union.
Amex card issued by American Express.
Visa card issued by Coastal Community Bank.
Visa card issued by Coastal Community Bank.
Visa card issued by BECU (Boeing Employees Credit Union).
$100 of Bilt Cash when you apply and get approved
Amex card issued by American Express.
Earn 40,000 bonus BreezePoints – that’s a $400 value, plus Breezy 1 benefits after spending $1,000 on purchases within the first 90 days.
Mastercard issued by Capital One.
Visa card issued by Capital One.