Our cards have:

  • NO annual fees
  • NO foreign transaction fees
  • 0% APR* Introductory Offer

Credit Union 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 on all of our financial solutions and banking options.

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 our Platinum, Rewards, and Student Mastercards
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 and Student Cards) 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

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, 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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Secured Mastercard

This card can help you build or rebuild your credit responsibly. With an initial deposit equal to your credit line, you can lock in a low, fixed rate and be on your way to a solid score. Plus, you’ll enjoy distinctive features like NO annual fees, NO balance transfer, and NO foreign transaction fees.

Fixed-rate
13.99%
APR*
Student Mastercard

An essential credit card for USC students that help students build a strong credit history with on-time payments. Generally, a cosigner will improve a student’s chance of qualifying. Plus, benefits like NO annual fees, NO balance transfer fees, and NO foreign transaction fees, make this the perfect card for newly-minted Trojans looking for their first credit card.

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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.