Student Credit Card

Credit savvy today for a brighter tomorrow!

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When you’re a member of USC Credit Union, you’re an owner, and we work for you. We’re able to offer our member-owners better rates because we don’t have shareholders to pay. We offer a student credit card that is the perfect example.

Our Student MasterCard® is an essential credit card for college students that offers the lowest rates around (we’ve checked!) and benefits like no annual fees, no balance transfer fees, and no overlimit fees. Increase your purchase power, build your credit, and invest in your future with the member-owned USC Credit Union.

  • 0% APR* for 15 months on purchases and balance transfers made within 6 months of account opening (thereafter, rate as low as 9.65% APR* applies)
  • No Foreign Transaction Fees
  • No Annual Fees


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Benefits of a Balance Transfer

  • Save money by transferring balances from higher interest rate credit cards
  • No balance transfer fees

Balance Transfer Instructions

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

  1. Log in to your online banking account, go to your credit card details & select ‘transfer-a-balance’.
  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.

*Membership in USC Credit Union required. Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit to confirm eligibility. Annual Percentage Rate (APR) is effective 02/01/2018 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history. The minimum monthly interest charge is $0.50. The APR for cash advances is between 9.65% and 16.65%, based upon your creditworthiness and payment history, and may vary. A variable-rate penalty APR of 11.65% to 18.65% (determined by adding 200 basis points (2.00%) to your regular APR for purchases, cash advances and balance transfers) will apply, if you make a late payment in two consecutive billing cycles. 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 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.