Get Rewards Points or 0% APR on Balance Transfers!

Whether you want reward points on every purchase or 0% APR on balance transfers, 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 Points 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.

CU SoCal’s Topaz Visa low-interest rate credit card is an excellent option as well and offers 0% APR on balance transfers for 9 months and a low 2% transfer fee.

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 offering 0% APR on balance transfers during a generous 9-month promotional period!

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! 

There’s no limit to the number 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!

Apply Now

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:

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.

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!
  • 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

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
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.

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, 0% APR on balance transfers, 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

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