Platinum MasterCard

Value and versatility for the way you spend.

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Our Platinum Mastercard is an essential credit card for every Trojan. In addition to security of having Tommy Trojan in your pocket, our card offers the lowest rates around (we’ve checked!) and benefits unmatched by our competitors. Increase your purchase power and invest in your future with you Platinum Mastercard today!

Low Introductory APR Offer

Introductory 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 8.40% 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.


  • ✓ APR as low as 8.40%*
  • ✓ No Foreign Transaction Fees
  • ✓ No Balance Transfer Fees(after promotional period)
  • ✓ No Annual Fees
  • ✓ No Over-Limit Fees!


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Optional Payment Protection Plan

Life happens. Sometimes extended illness or disability or involuntary unemployment makes it difficult to pay your debts. This program protects you by making the payments for you.

Benefits of a Balance Transfer

  • Save money by transferring balances from higher interest rate credit cards

Balance Transfer Instructions

Just follow these simple instructions to transfer balances from your higher interest credit cards to your USC Credit Union MasterCard.

  1. After receiving your USC Credit Union MasterCard, call (866) 820-3867 to initiate the balance transfer process.
  2. You may transfer any amount, but the total amount of your balance transfers cannot exceed your available credit line. You may not transfer balances from other USC Credit Union loans. (Also, you should not transfer the amount of any disputed purchase or charge. If you do, you may lose your dispute rights.)
  3. Continue to pay the other credit card companies until we notify you in writing that we have approved your balance transfer. Once approved, we will pay the amount directly to that card issuer.


*APR (Annual Percentage Rate) is effective July 19, 2016 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 8.40% to 17.40% 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.