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

Trojan Rewards. Redeem perks, earn exclusive bonus points, and manage your points all in one place. Take a test drive and explore sample rewards today.

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 through Online Banking.
  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.

I love how easy it is to make payments and transfer money. I love your credit card as well.


  • Instant Loans

    Instant Loans are just that – instant! Even if you don’t have perfect credit, our Life Flex and Ready Funds loans have you covered. Apply through Online or Mobile Banking. Get approved in seconds.

  • 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.

  • Personal Loans

    Pay for the unexpected, consolidate debt, pay for home improvements, or make a major purchase with one of our affordable Personal Loan options.

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 5.29.2024 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 15.40% 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.