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 student credit card. Redeem rewards for merchandise, travel, gift cards, event tickets, and more. Shop local and national brands like Apple, Macy’s, REI and Starbucks, in-store or online, and automatically earn bonus points. Manage it all in the palm of your hand with Online and Mobile Banking.

  • Low variable rates
  • No application or annual fees
  • No foreign transaction fees
  • No prior credit history or cosigner needed1
  • $1 spent = 1 point
  • $1 spent on fuel & grocery = 2 points2
  • ID Theft Protection™ fraud monitoring, alerts and assistance3
  • Zero Liability Protection against unauthorized card purchases4
  • 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.


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.


Did you know you could lower your interest rate by enlisting the help of a cosigner? Find one with a good credit history, and your odds of being approved jump five-fold.

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.

1Proof of income required to apply; cosigner will boost chances of being approved.

2Fuel and grocery bonus points apply to the first $5000 in purchases in these combined categories each year.

3Certain 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.

4Conditions 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.