Student Platinum and Rewards Mastercard®

Two great cards for college and beyond

Credit savvy today for a brighter tomorrow!

Cards designed with students in mind

Whether you're just getting started or already have some credit history, a USC Credit Union Student Mastercard® lets you build credit from graduation and beyond. Plus, with our Student Rewards Mastercard®, you can get rewarded for every day purchases all while building credit. The choice is yours.

Choose the card that’s right for you

Check out our credit card options made for students that let you earn rewards in school while building your credit to help you after graduation.

Student Platinum Mastercard®

Student Platinum Mastercard®

  • 0% APR* for 15 months on purchases and balance transfers made within 6 months of account opening
  • Low interest rate
  • Build your credit today for a brighter future tomorrow
Student Rewards Mastercard®

Student Rewards Mastercard®

  • 0% APR* for 15 months on purchases and balance transfers made within 6 months of account opening
  • Earn points on every day spending, and earn bonus points on fuel and grocery purchases
  • Redeem rewards for merchandise, travel, gift cards, event tickets, and more

Features and Benefits

No Fees — Ever

No foreign transaction fees, annual fees, or balance transfer fees.

Bank Anytime, Anywhere

Whether you’re heading to class or going about your day, manage your credit card from the palm of your hand with our online and mobile banking.

Mastercard® ID Theft Protection

Monitor your account for changes in your credit score and suspicious activity so you can act fast to protect your information.

Helpful Tips

  • Credit, modeled by your credit score, is used by financial institutions, businesses, and other entities to determine your ability to borrow and pay back money responsibly.
  • Credit is an incredibly helpful tool to help you accomplish your future goals, like buying a car, renting an apartment, and taking out loans. But credit takes time to build.
  • Apply for a low-interest rate, low limit student credit card, and use it wisely to start building credit safely. By the time you graduate, you'll have a great credit score that you can continue to build on when you begin to pay your student loans back.
  • Our Student Mastercard is designed to help you get started building credit responsibly. You do not need a previous credit history or a cosigner to apply for the Student Mastercard. If you’re interested in applying for any of our other credit card options, additional qualifications apply, and previous credit history will be required.
  • You can earn rewards by using your new Student Rewards Mastercard® on everyday purchases. $1 spent is 1 point earned. Plus, earn 2 points for each $1 spent on fuel and grocery purchases. Want to check your balance or redeem your rewards? Log in to Online Banking and select "View Rewards" below your Student Rewards Mastercard® account.

Contact Us

Visit one of our branches if you want in-person help or visit us online when you don’t. Connect with us however it’s convenient for you and always remember – we’re here to help.

Disclosure: *APR (Annual Percentage Rate) is effective June 17, 2021, 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 promotional APR. The promotional rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 10.15% to 17.00% for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the promotional APR. There is a 2% 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 promotional rate is available for a limited time, and rates and terms are subject to change without notice.
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Federally insured by the NCUA
Customized by USC Credit Union