Secured Credit Card

The future starts with a credit history. Start building yours today.

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Build or Rebuild Your Credit Responsibly

Our Secured Mastercard® credit card allows you to build your credit with a low rate and no outrageously high fees.

Our Secured Mastercard® requires a refundable security deposit equal to 100% of your credit limit in a secured USC Credit Union savings account.

Features and Benefits

  • NO application or annual fees
  • NO cash advance or foreign transaction fees
  • Credit limits from $500 up to $5,000

For USC International Students: No Social Security Number (SSN) or ITIN required to apply for a secured credit card.

It’s easy to get started

  • Application

    1. Apply for the Card

    Complete and submit your application online.

  • Transfer Secure Funds

    2. Submit a Security Deposit

    Once approved, you’ll be prompted to submit your security deposit equal to the approved limit.

  • Build Credit

    3. Build Your Credit

    Enjoy your card and pay your bill on time every month to help establish or build your credit history.


*APR (Annual Percentage Rate) is effective 08/01/2022 and is subject to change. Your regular rate is 13.99%. Upon approval, a Secured Savings Account will be established in the amount of the card limit. The minimum approved credit line is $500 and the maximum approved credit line is $5,000. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. Rates and terms are subject to change without notice. Click here for full disclosure.