Our cards have:

  • No annual fees
  • No balance transfer fees
  • No overlimit fees
  • No foreign transaction fees (Platinum Rewards)

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 overlimit 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 10.40% to 17.40% 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 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 overlimit fees.

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Platinum Rewards MasterCard

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 fees, no balance transfer or overlimit fees, and no foreign transaction fees.

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