Secured Mastercard®

Build your financial future on a solid credit history.

Build or rebuild your credit responsibly with USC Credit Union’s Secured Mastercard. Make an initial deposit equal to your credit line in a secured USC Credit Union savings account, and you’ll be on your way to a solid score in no time.

  • No application or annual fees
  • No foreign transaction fees
  • Credit limits from $500 – $5,000
  • No Social Security Number (SSN) or ITIN required for USC international students to apply1
  • ID Theft Protection™ fraud monitoring, alerts and assistance2
  • Zero Liability Protection against unauthorized card purchases3
  • 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.

Get the credit cards members love.

Affordable rates, rewards, credit cards to build credit – you’ll find it all at USC Credit Union.

Low credit card rates and convenient for having Zelle available in my app.


  • 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.

1Cosigner will boost chances of being approved.

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 5.30.2024 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 to confirm eligibility. Rates and terms are subject to change without notice. Click here for full disclosure.