Platinum Mastercard®
Shop and travel with confidence.

An essential credit card that offers some of the lowest rates around and unrivaled benefits too. Enjoy the value and versatility this sweet cardinal red card delivers.

  • Low variable rates
  • No annual fees
  • No foreign transaction fees
  • No balance transfer fees
  • ID Theft Protection™ fraud monitoring, alerts, and assistance1
  • Zero Liability Protection against unauthorized card purchases2
  • Global Service for emergency replacement anywhere, in any language


Peace of Mind Protection. You can’t control everything in life – but you can help protect your finances with Peace of Mind 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:

  1. Fill out a balance transfer request.
  2. 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.)
  3. 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.

It’s the best credit card interest rate.


  • Checking Accounts

    Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.

  • Debit Cards

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

  • Money Market Savings Account

    Keep your earnings high and your assets liquid. Fund a USC Credit Union Money Market account for as little as $2,500.

1Certain 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.

2Conditions and exceptions apply. Learn more about Zero Liability.

*APR (Annual Percentage Rate) is effective 6.18.2024 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 13.40% 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 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.