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.

Save big with a low APR on CU SoCal’s Topaz Visa credit card. Beginning November 1, our CU SoCal Topaz Visa Credit Card offers 0% APR on balance transfers for nine months on non-CU SoCal debt.2

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

Two Dynamic Credit Card Choices

Start getting rewarded for spending and earn Dream Points on every purchase you make with our CU SoCal Platinum Rewards Visa! 

Our CU SoCal Topaz Visa is a fantastic, low APR credit card!

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

8.90% - 15.90%

6.90% - 13.90%

Balance Transfer APR

8.90% - 15.90%

6.90% - 13.90%

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


 

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.
 

Learn More

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
8.90-15.90% $50,000 3% of balance
Share Secured Visa Platinum Rewards4, 5, 7
14.90% 95% of balance 3% of balance
CU SoCal Topaz Visa Credit Card3, 4, 6, 7
6.90%-13.90% $50,000 3% of balance

Apply Now

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.

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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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.

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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