Credit Cards

Credit Cards

Upgrade your credit card game at your credit union

Is your wallet stacked in your best interests? Up your game right here at USC Credit Union. You’ll find a full range of choices from Mastercard® to shop and travel with confidence, all at bank-beating interest rates. Great rates – that’s just one of the perks of membership. Make it yours.

USC Credit Union credit card benefits:

  • Low variable rates
  • Zero Liability Protection against unauthorized purchases*
  • No foreign transaction fees
  • Global Service for emergency replacement anywhere, in any language

Platinum Rewards Mastercard®

The standard for cards that pay you back.

Earn dollar-for-dollar rewards for everyday spending with USC Credit Union’s Platinum Rewards Mastercard®.

  • Low variable rates
  • No annual fees

APR is accurate as of 11.21.2024

Rate as low as:

14.90%

Platinum Mastercard®

Shop and travel with confidence.

An essential credit card that offers some of the lowest rates around and unrivaled benefits too.

  • Low variable rates
  • No annual fees 

APR is accurate as of 11.21.2024

Rate as low as:

12.90%

Secured Mastercard®

Build a solid credit history.

Looking for credit cards to build credit? Build or rebuild your credit responsibly with USC Credit Union’s Secured Mastercard®.

  • Low variable rates
  • Choose credit limits from $500 – $5,000

APR is accurate as of 11.21.2024

Rate fixed at:

13.99%

Student Platinum Mastercard®

Your financial independence starts here.

Trojans, this credit card’s for you. Build a strong credit history with smart purchases and on-time payments through graduation and beyond.

  • Low variable rates
  • No credit history or minimum credit score required for approval

APR is accurate as of 11.21.2024

Rate as low as:

12.90%

Student Rewards Mastercard®

Get rewarded for everyday purchases.

Groceries, gas, morning latte runs. Whatever your daily routine involves, you can earn points and build credit when you pay with your rewards credit card.

  • Low variable rates
  • No prior credit history or cosigner needed to apply

APR is accurate as of 11.21.2024

Rate as low as:

14.90%

Compare Credit Cards

Platinum Rewards Mastercard®Platinum Mastercard®Secured Mastercard®Student Platinum Mastercard®Student Rewards Mastercard®
Annual FeesNoneNoneNoneNoneNone
Foreign Transaction FeesNoneNoneNoneNoneNone
Balance Transfer Fees Introductory Period3% balance transfer fee for first 6 months1,23% balance transfer fee for first 6 months1,2None3% balance transfer fee for first 6 months1,23% balance transfer fee for first 6 months1,2
Balance Transfer Fees
After Introductory Period		NoneNoneNoneNoneNone
Annual Percentage Rates (APR)3
Introductory Period		0% APR1 for 15 months on purchases and balance transfers made within 6 months of account opening0% APR1 for 15 months on purchases and balance transfers made within 6 months of account opening13.99% APR5 (Fixed)0% APR1 for 15 months on purchases and balance transfers made within 6 months of account opening0% APR2 for 15 months on purchases and balance transfers made within 6 months of account opening
Annual Percentage Rates (APR) as low as Variable
After Introductory Period		14.90% APR312.90% APR413.99% APR5 (Fixed)12.90% APR414.90% APR3
RewardsYesYes

    1Special Introductory Offer on Platinum, Rewards and Student Mastercards: 0% APR for your first 15 billing cycles for purchases and balance transfers made within 6 months of opening your account. After that, standard variable APR of 12.90% to 18.00% for purchases and balance transfer applies. All purchases, net of returns, qualify for the introductory APR. Except for existing USC Credit Union loans, all balance transfers qualify for the introductory APR.

    2The 3% fee (min $10) applies to balance transfers during the introductory period. After the introductory period there is no balance transfer fee. Truth in Lending Disclosure

    3APR (Annual Percentage Rate) is effective 11.21.2024 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases and balance transfers made during the qualifying transaction period within the first 6 months of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 14.90% to 18.00% for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the introductory APR. There is a 3% Balance Transfer Fee of the total amount transferred per transaction or $10, whichever is greater. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. This introductory rate is available for a limited time, and rates and terms are subject to change without notice. Click here for full disclosure.

    4APR (Annual Percentage Rate) is effective 11.21.2024 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases and balance transfers made during the qualifying transaction period within the first 6 months of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 12.90% to 18.00% for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the introductory APR. There is a 3% Balance Transfer Fee of the total amount transferred per transaction or $10, whichever is greater. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. This introductory rate is available for a limited time, and rates and terms are subject to change without notice. Click here for full disclosure.

    5APR (Annual Percentage Rate) is effective 11.21.2024 and is subject to change. Your regular rate is 13.99%. Upon approval, a Secured Savings Account will be established in the amount of the card limit. The minimum approved credit line is $500, and the maximum approved credit line is $5,000. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Rates and terms are subject to change without notice. Click here for full disclosure.

    Low interest rates on loans and credit cards compared to standard banks (i.e., Chase, Bank of America, Wells Fargo).

    -Sean Paul

    • Debit Cards

      Go cashless! Your Debit/ATM card lets you access the funds in your checking account with one quick swipe.

    • Savings Accounts

      The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

    • Direct Deposit

      Get paid early! Have your paycheck or any recurring payments deposited electronically into your checking account online. It’s safe, easy to set up, and a real timesaver.

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        Let’s Chat

        Need help deciding on a credit card? Talk to a member associate. We’re always here to lend an ear and all the guidance you need.

        *Conditions and exceptions apply. Learn more about Zero Liability.