Choose the Card That is Right For You

Whether you’re looking to get rewarded for the purchases you make every day, or simply looking for credit cards with low-interest rates, our Platinum Rewards Visa and Topaz Visa credit cards offer two unique experiences designed to fit your needs. And by the way, you CAN apply for both!

With our Platinum Rewards Visa, you can earn Dream Points1 on every purchase, which are redeemable for gift cards or brand-name merchandise from more than 2,000 merchants nationwide. Or, cash in your Dream Points for—you guessed it—cash!

And if you’re a frequent flyer, we’ve got you covered as well. Our travel concierge can schedule and plan every detail of your next vacation—be it dinner reservations or theater tickets—we can make your next trip one to remember.

So what are you waiting for? Apply online and start being rewarded or saving big today!

Two Exciting Offers for New Cardholders!

CU SoCal Platinum Rewards Visa® Credit Card. Get 30,000 Dream Points (redeemable for $300 cash) when you spend $4,000 in the first six months.1

CU SoCal Topaz Visa Credit Card. Get 0% APR on balance transfers for 9 months with a low 2% transfer fee.2

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Two Exciting Offers for New Cardholders!

CU SoCal Platinum Rewards Visa Credit Card. Get 30,000 Dream Points (redeemable for $300 cash) when you spend $4,000 in the first six months.¹

CU SoCal Topaz Visa Credit Card. Get 0% APR on balance transfers for 9 months with a low 2% transfer fee.²

CU SoCal Platinum Rewards Visa

  • 1 Dream point per $1 spent on purchases
  • No annual fee  
  • Low cash-advance fee of 2%
  • Combine Dream points with your CU SoCal Visa Rewards Debit Card to earn even faster
  • Redeem Dream points for Travel, Gift Cards, Statement Credit and more
  • Personalized dispute assistance
  • Visa Purchase Alerts
  • Visa Checkout
  • A 25-day grace period on purchases: pay no interest if your balance is paid in full within 25 days of the statement date
  • Contactless Payments
 

Apply Now

CU SoCal Topaz Visa

  • Generous credit limits up to $50,000
  • No annual fee
  • Low cash-advance fee of 2%
  • Low balance transfer fee of 2%
  • Personalized dispute assistance
  • Visa Purchase Alerts
  • Visa Checkout
  • A 25-day grace period on purchases: pay no interest if your balance is paid in full within 25 days of the statement date
  • Contactless Payments
 
 

Apply Now

See How They Compare Side-by-Side


Whether you’re looking to get rewarded for the purchases you make every day, or simply looking for credit cards with low-interest rates, CU SoCal is here to help.

All of our cards come standard with no hidden charges or annual fees, allowing you to spend with peace of mind. 

Your partner against identity theft. The CU SoCal Platinum Rewards Visa and CU SoCal Topaz Visa Credit Cards include ID Navigator Powered by NortonLifeLock.

Additionally, we offer personalized dispute assistance and an interest-free, 25-day grace period on all purchases when your balance is paid in full each month. Sign up today and see why CU SoCal is the premier pick for the best credit union credit cards in California!

 

Card Features CU SoCal Platinum Rewards Credit Card CU SoCal Topaz Visa Credit Card

New Cardmember Offer

N/A

N/A

Annual Fee

$0

$0

Purchase APR

 13.15%- 19.90%

11.15% - 18.15%

Balance Transfer APR

13.15%- 19.90%

11.15% - 18.15%
Balance Transfer Fee

0% Fee

2% Fee
Earning Rewards3

1 Dream point per $1 spent on purchases

N/A
Redeem Rewards

Login to Online Banking to redeem

N/A
Maximum Loan Amount

$50,000

$50,000
  Apply Now Apply Now

 

Manage Your Cards From Anywhere With Digital Banking

We make it easier to manage your account anytime, and from anywhere with Digital Banking.

  • Access the Manage Visa widget where you can view statements, set travel notices, activate new cards, request balance transfers, and more
  • Turn your credit cards on or off and register for real time authorization alerts
  • View your CU SoCal Dream Points balance and redeem points for gift cards, brand name merchandise, or cash

California dreamin' every day.

Earn CU SoCal Dream Points on purchases made with CU SoCal Visa Debit and Credit Cards.
 

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Credit Card Rates

Our low APR credit cards offer generous credit limits and low APRs compared to other credit unions and banks. Compare below and see why CU SoCal’s credit card interest rates are some of the most competitive available anywhere. 
 
Program APR1 as low as Maximum Loan Amount Est. Payment Per $1002
CU SoCal Platinum Rewards Visa3, 4, 5, 6, 7
 13.15%- 19.90% $50,000 3% of balance
Share Secured Visa Platinum Rewards4, 5, 7
 19.15% 95% of balance 3% of balance
CU SoCal Topaz Visa Credit Card3, 4, 6, 7
 11.15% - 18.15% $50,000 3% of balance

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1 APR is Annual Percentage Rate
2 Payment factor based on maximum term.
3 Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.)
4 CU SoCal credit cards feature no annual fee and a 25-day grace period on all purchases (when balance is paid in full each month).
5 No balance transfer fee
6 APR is based on your creditworthiness at the time You establish your account. This APR will vary with the market based on the Prime Rate.
7 This APR will vary with the market based on the Prime Rate.

Are you a CU SoCal Credit Card holder interested in a limit increase?

You can apply by submitting your application online, calling us at 866.287.6225, or visiting your nearest CU SoCal branch.

Apply Now

What if my credit card is lost or stolen?

If your credit card is lost or stolen, call us immediately at 800.556.5678.

Apply for a CU SoCal Credit Card Online!

For over 60 years, the Credit Union of Southern California has continued to remain a community staple, proudly empowering the communities of Los Angeles, San Bernardino, Riverside, and Orange County to achieve their financial goals.

With low-interest California credit union credit cards from CU SoCal, customers can enjoy rewards on every purchase, no annual fees, and credit limits of up to $50,000.

We also proudly offer our Members a variety of other banking products and services, such as checking and savings accounts, share certificates, and much more.

Contact a CU SoCal adviser today, and see why we’re the premier banking choice in Southern California!

Apply Today

Hear From Others Like You Who Made it Happen

I received excellent service. I like the accessibility to ATMs, the rate on credit cards, and the fee structure on such things as overdraft protection. Growing up in Whittier, I felt treated as a Member rather than a customer. I'm in the process of transferring all of my banking needs from Wells Fargo to CU SoCal.

Teressa K., Pomona

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Frequently Asked Questions (FAQs) for Credit Cards

While credit cards and debit cards may look identical, they work differently. Debit cards allow you to make purchases by drawing on funds you’ve deposited in your checking account. Credit cards allow you to borrow money from the creditor (up to a specific limit) to make purchases and withdraw cash. When you use a credit card, the amount you spend is automatically added to your outstanding balance.
Paying off credit card debt fast takes discipline and depends on just how much money you owe. Having the best banking tools to help you track spending can help reduce credit card debt.
If you have accumulated a debt on a high-interest rate credit card, doing a balance transfer can help you save money on interest and help you pay off your debt sooner. A balance transfer credit card lets you transfer your debt balance from your current credit card to a new card, usually from a different company or bank. After the transfer, your old account will have zero balance. Most balance transfer credit cards come with a zero percent or low-interest promotional interest rate, so be sure to find out how long the promotion will last and what the new rate will be when it ends.
Technically, yes, if your credit limit can cover the cost of the car. However, car dealerships may have a limit on the dollar amount that can be charged on a car purchase and may not allow the entire cost to be charged. If you do charge the entire purchase or even a large down-payment, be sure you can afford to pay your credit card bill the following month. Credit cards charge higher interest rates than car loans, for example 18% interest on credit cars vs. 4% on a car loan. If you cannot pay the bill in full, you will be losing a great deal of money buying a car with a credit card.
All credit card companies charge daily interest on the unpaid debt balance that is carried from month-to-month. A credit card interest rate may also be looked at as an Annual Percentage Rate (APR). If you pay off your balance in full each month you will not be charged interest. Maintaining a balance will always result in interest being owed as part of the next monthly payment. This means that when you make a purchase and don’t pay your next bill in full, you are actually paying more for your purchases.
Credit cards can be used to purchase just about anything, anywhere. How much you can charge on a credit card will depend on your card’s credit limit. Other than that restriction, there’s no limit on what you can buy. Most credit cards can also be used in other countries to make purchases, just as you would within the U.S. However, you’ll likely pay a small “international use fee” for doing so.
All lenders will look at an individual’s credit score to determine if that person is credit-worthy or a credit risk. Credit scores are generated by credit scoring companies, with FICO® Scores being the most widely used. Your FICO Score takes into consideration a Credit Utilization Ratio. This ratio looks at your total used credit in relation to your total available credit; the higher this ratio is, the more it can negatively affect your score. So, by closing an old or unused card, you are essentially wiping away some of your available credit and thereby increasing your credit utilization ratio. Here are some Tips for Improving Your Credit Score.
Yes, most credit cards can be used to get cash from an ATM or at point-of-purchase, such as at a supermarket checkout. However, using a credit card to get cash is considered a “cash advance.” All credit card companies charge a different interest rate on cash advances (vs. purchases). For example, CU SoCal charges only 2% on cash advances on our Platinum Rewards and Topaz Visa cards. Use your debit card to get money from an ATM or at checkout, so you don’t pay more in interest just to get some cash.
Whether or not you can make a mortgage payment using your credit card will depend on your credit limit and whether your lender allows it. Credit card interest rates are almost always higher than mortgage interest rates, so it doesn’t pay to charge your mortgage payment. Even if you are allowed to do so, you will likely pay a high price to do so. If you are having trouble paying your mortgage, speak to your lender immediately. All lenders have policies in place to help those who are struggling financially.

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If you live, work, worship or attend school in Los Angeles County, Orange County, Riverside County, or San Bernardino County, we can make your plans a reality.

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Building Better Lives™

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.

 

562.698.8326 | 866 CU SoCal Se Habla Español

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