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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®. Redeem your points for merchandise, travel, gift cards, experiences and even cash back. Shop local and national brands like Apple, Macy’s, REI and Starbucks, in-store or online, and automatically earn bonus points.
- Low variable rate
- No annual fees
- No foreign transaction fees
- $1 spent = 1 point
- $1 spent on fuel & grocery = 2 points1
- ID Theft Protection™ fraud monitoring, alerts and assistance2
- Zero Liability Protection against unauthorized card purchases3
- Global Service for emergency replacement anywhere, in any language
Debt Protection. You can’t control everything in life – but you can help protect your finances with Debt Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.
Transfer Balances & Save
Save money by transferring balances from higher interest rate credit cards. Here’s how:
- Fill out a balance transfer request through Online Banking.
- Transfer any amount up to your available credit line. (Note: Balance transfers from other USC Credit Union loans are not allowed. Transfers in the amount of any disputed purchase or charge may forfeit dispute rights.)
- Continue to pay other credit card companies until we notify you in writing of your balance transfer approval, at which point we’ll pay the card issuer directly.
Log in to Online Banking >
0% APR* Introductory Offer
For first 15 billing cycles for purchases and balance transfers made within six months of account opening. After that, a standard variable APR* will apply.
Get the credit cards members love.
Affordable rates, rewards, credit cards to build credit – you’ll find it all right here at USC Credit Union.
I love how easy it is to make payments and transfer money. I love your credit card as well.
Educational Resources
Home Loan Advice Home Loan Advice
How much down payment is normally required to buy a home?
For many people, buying a home is one of the most significant financial decisions they will make in their lifetime. One of the key considerations in this process is the down payment, which is the amount of cash that a buyer pays upfront toward the purchase price. While the amount of the down payment required can vary depending on several factors, it is an essential component of the home-buying process.
How much down payment is normally required to buy a home?
Credit Unions Credit Unions
Why Do Credit Unions Have Better Rates?
There’s a reason more than 130 million people belong to a credit union. Individuals choose credit unions over traditional banks for higher dividend rates, minimal account fees, and lower interest rates on loan products. But how can a small army of 5,000+ federally insured credit unions offer these benefits and a host of other financial benefits to everyday consumers?
Why Do Credit Unions Have Better Rates?
Students Students
Understanding Financial Aid Award Letters
You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.
Understanding Financial Aid Award Letters
Credit Unions Credit Unions
What is the difference between a credit union and a bank?
When it comes to managing your finances, you have several options available to you, including banks and credit unions. While both offer similar financial products and services, there are some key differences between the two that can affect your decision about which one to choose.
What is the difference between a credit union and a bank?
Fraud Awareness Fraud Awareness
5 Pinch-Proof Tips to Prevent Scams & Fraud
Don't let scams and fraud catch you off guard this St. Patrick's Day. Protect your identity and money with these 5 pinch-proof tips!
5 Pinch-Proof Tips to Prevent Scams & Fraud
Borrower Advice Borrower Advice
Free Auto Buying eBook
This eBook will give you everything you need to know before buying a car. Learn how to be a savvy car shopper so you don’t get taken for a ride. We’ll arm you with knowledge of financing, interest rates, terms, and more. Be prepared, so you can drive off the lot with confidence.
Free Auto Buying eBook
Home Loan Advice Home Loan Advice
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
As a home buyer, knowing the difference between being pre-qualified and pre-approved is an important step in the mortgage process. Making your decision on which one to choose starts with understanding the definition of each of those terms.
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
Protecting What You Value Protecting What You Value
Debt Protection
If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death.
Debt Protection
Student Loans Student Loans
Consolidation vs. Refinancing Student Loans
Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation.
Consolidation vs. Refinancing Student Loans
News News
USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List
On November 29, 2022, Forbes honored Altro Cofounder/CEO and USC Credit Union board member Michael Broughton with a selection to its prestigious “30 Under 30” list for 2023.
USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List
1Fuel and grocery bonus points apply to the first $5000 in purchases in these combined categories each year.
2Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.
3Conditions and exceptions apply. Learn more about Zero Liability.
*APR (Annual Percentage Rate) is effective 4.27.2025 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.