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Reduce credit card interest to 0% APR*
For 15 billing cycles on purchases and balance transfers
made within 6 months of account opening

Did you use a department store credit card during the holidays to receive special discounts? Careful; they typically carry high interest rates.

Macy's 25.49%
Kohl's 24.24%
Target 23.15%
Walmart 23.15%
Department store credit card rates gathered from issuers’ websites 12/1/16 and subject to change.

Reduce your credit costs by consolidating your store and bank credit cards to a USC Credit Union Platinum MasterCard.

You’ll pay ZERO PERCENT for the first 15 billing cycles on purchases or balances transfers made during the first six months after opening your account.

Plus your Platinum MasterCard comes with these valuable benefits.

  • As low as 8.65% APR* after promotional period
  • Earn points redeemable for cash back, travel, charitable donations and brand-name merchandise
  • No annual fees
  • No over-limit fees
  • No balance transfer fee after promotional period**

Apply today


*Annual Percentage Rate effective 2/1/17 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 after account opening, thereafter, the standard rate of 8.65% APR to 15.65% APR for purchases and balance transfers applies. Except for existing USC Credit Union loans, all balance transfers qualify for the promotional APR. Membership eligibility requirements and membership fees may apply; please call 877.670.5860 or visit 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.
**2% Balance Transfer Fee or $10, whichever is greater, applies per transaction during promotional period.


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