Establish your credit with our Student Mastercard®, exclusively designed for students. Pay no annual fee, enjoy the lowest rates around (we’ve checked!) and benefits like no annual fees, no balance transfer fees, and no over-limit fees. Increase your purchase power, build your credit, and invest in your future.
Features and Benefits
0% APR* for 15 months on purchases and balance transfers made within 6 months of account opening. After that, a standard variable APR* will apply.
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.
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 November 6, 2020, 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 8.15% to 15.15% 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. Click here for full disclosure.