Our cards have:

  • No annual fees
  • No balance transfer fees
  • No foreign transaction fees

Credit Cards

As a member of USC Credit Union, we consider you an owner. Because we don’t have shareholders, we pass along our profits to you through better rates. Our credit cards have no annual fees, no balance transfer fees, and no foreign transaction fees, making us the smart consumer’s best choice.


Special Introductory Offer on all our Credit Cards
0%* APR* for your first 15 billing cycles for purchases & balance transfers made within 6 months of opening your account. After that, a Variable APR that’s currently 11.65% to 18.65% APR (Rewards Card) and 9.65% to 16.65% APR (Platinum Card) will apply.
A 2% fee (min $10) applies to balance transfers during the promotional period. After the promotional period there is no balance transfer fee.

Platinum Rewards MasterCard
Our Most Popular Option

With a low variable rate and free rewards including cash back, travel, charitable donations and brand-name merchandise, the USC Credit Union Platinum Rewards credit card sets the standard for the card that pays you back. You’ll enjoy distinctive features like NO annual, NO balance transfer, and NO foreign transaction fees.

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Platinum MasterCard

An essential credit card that offers the lowest rates around (we’ve checked!) and benefits like NO annual fees, NO balance transfer fees, and NO foreign transaction fees.

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*APR (Annual Percentage Rate) is effective May 1, 2018 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 11.65% to 18.65% 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.

Debit/ATM Cards

USC Credit Union’s ATM and debit cards are accepted at thousands of surcharge-free ATMs.

MasterMoney ATM/Debit Card

With a swipe of your MasterMoney Debit/ATM card, you have access to all the funds in your checking account at any MasterCard merchant without the hassle of cash.

To Open Now Call (877) 670-5860 or visit us at the nearest branch.

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