USC Credit Union Credit Card Rates

How USC Credit Union’s credit card rates compare

Compared with banks and credit unions near Los Angeles, CA, where USC Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
USC Credit Union
– –
Up to
—
No ongoing APR published
Lowest rate
F&A Credit Union
6.90%APR
Up to
14.50% APR
F&A Credit Union rates
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
Up to
—
Fox Federal Credit Union rates

Compare credit card rates near you →

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Platinum Mastercard®

Membership eligibility requirements apply. No annual fee. No foreign transaction fees.

Applies to	APR	Annual fee	Conditions
Intro, 18 months	0.00%	None	Introductory offer of 0% APR for the first 18 billing cycles on balance transfers made within 60 days of account opening. 3% balance transfer fee (min $10) applies during the introductory period. Except for existing USC Credit Union loans, all balance transfers qualify.
Ongoing	11.90%–18.00%	None	Standard variable APR applies after introductory period, determined by creditworthiness and payment history (11.90% to 18.00% for balance transfers). Minimum monthly interest charge is $0.50. There is a 3% balance transfer fee (min $10).

Sources (3)

All captured Oct 17, 2026

Platinum Rewards Mastercard®

Membership eligibility applies. Points: 1 per $1 spent; 2 per $1 on fuel/grocery up to $5,000 combined per year. No annual fee. No foreign transaction fees.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	0% APR on purchases for first 12 billing cycles within first 180 days of opening account.
Ongoing	13.90%–18.00%	None	Standard variable APR applies after introductory period, determined by creditworthiness and payment history (13.90% to 18.00% for purchases). Minimum monthly interest charge is $0.50.

Sources (3)

All captured Oct 17, 2026

Secured Mastercard®

Fixed regular rate of 13.99%. Requires initial deposit equal to credit line in a secured savings account. Min credit line $500; max $5,000. No annual fee. No foreign transaction fees.

Applies to	APR	Annual fee	Conditions
Ongoing	13.99%	None	Fixed regular rate of 13.99%. Upon approval, a Secured Savings Account will be established in the amount of the card limit. Credit line is $500 to $5,000.

Sources (2)

All captured Oct 17, 2026

Student Rewards Mastercard®

Membership eligibility requirements apply. No prior credit history or cosigner needed to apply (proof of income required). No application or annual fees. No foreign transaction fees. Earn points on spending ($1 = 1 point, $1 = 2 points on fuel and grocery up to $5,000/year). Intro statement credit offer up to $225 for consecutive on-time payments and min 10 monthly transactions.

Applies to	APR	Annual fee	Conditions
Intro, 6 months	0.00%	None	Introductory offer of 0% APR for the first 6 billing cycles on purchases made within the first 180 days of account opening. Net of returns.
Ongoing	13.90%–18.00%	None	Standard variable APR applies after introductory period, determined by creditworthiness and payment history (13.90% to 18.00% for purchases). Minimum monthly interest charge is $0.50.

Sources (3)

All captured Oct 17, 2026

Who can join USC Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals who live, work, or worship in Los Angeles County are eligible for membership.
Individuals who live, work, or worship in Orange County are eligible for membership.

Military, government and schools

Students enrolled in the City of Los Angeles or Orange County (Non-USC) are eligible for membership.
USC alumni or USC Alumni Association members are eligible for membership.
USC faculty and staff are eligible for membership.
Enrolled USC students are eligible for membership.

1 more way to join

Family and household

Immediate family and household members of existing members are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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