Get Rewards Points or 0% APR on Balance Transfers!

Whether you want reward points on every purchase1 or 0%2 APR on balance transfers, we have the credit card to fit your needs! And by the way, you CAN apply for both!

Two Dynamic Credit Card Choices

CU SoCal Platinum Rewards Visa

  • 15,000 dream points when you spend $2,500 or more within 90 days1
  • Earn Dream Points on every purchase
  • No annual fee  

Earn Points on Every Purchase!

The key benefit of our CU SoCal Visa Platinum Rewards card is that you rack up points every time you use it! Not only do you receive 15,000 bonus points when you get the card, but thereafter every transaction – whether in-store or online – earns CU SoCal Dream Points!1
There’s no limit to the amount of Dream Points you can earn, and if you have a CU So Cal Visa Rewards debit card (tied to your checking account), your Dream Points from BOTH cards are pooled!

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CU SoCal Topaz Visa

  • 0% APR for 9 months on balance transfers2
  • Low 2% transfer fee
  • No annual fee  

Save Money on Balance Transfers!

The key benefit of our CU SoCal Topaz Visa card is the ability to transfer high interest revolving debt at 0% APR for nine months.2 Not paying interest maximizes your ability to reduce your debt with each month because 100% of your payment reduces principal. You can still use your Topaz Visa card for everyday purchases, whether in-store or online.

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Benefits of CU SoCal Topaz AND Platinum Rewards Visa Cards:

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

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

Program APR1 as low as Maximum Loan Amount Est. Payment Per $1002
CU SoCal Platinum Rewards Visa3, 4, 5, 6
8.90-15.90% $50,000 3% of balance
Share Secured Visa Platinum Rewards7
16.40% 95% of balance 3% of balance
CU SoCal Topaz Visa Credit Card3, 4, 6
6.90%-13.90% $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.
This APR will vary with the market based on the Prime Rate.

Hear from others like you who made it happen.

I am so glad I switched to CU SoCal. I like that I don't have all of the fees my other bank charged me, and CU SoCal has helped me pay off my debt too!

Ryan, Member since 2016

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Make it happen.

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.

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.

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What if my credit card is lost or stolen?

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

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