Credit Cards

Our complete line of competitive rate credit cards make it easy to select the card that best fits your purchasing and payment needs.

Card Features:

  • Worldwide acceptance at more than 28 million locations
  • Free Internet Branch online account access
  • Travel Insurance for Platinum Cardholders: $250,000 Travel Accident Insurance and Auto Rental Insurance

Payment Options

  • Monthly statement
  • Automatic payments from an eligible UCSCU account
  • Cash payments

VISA Card Rates and Application

 Visa ClassicVisa PlatinumVisa Celebrity
Annual Percentage Rate for Purchases 11.9% to 18% 9.9% to 18% 6.90% Fixed
Other APRs Cash Advances and Balance Transfers 11.9% to 18% 9.9% to 18% 6.9% to 18%
**Default Rate 18% 18% 18%
Penalty APR and When It Applies This APR may be applied if you: 1) Make a payment that is 60 days late.
How Long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at
Annual Fee None
Transaction Fees
  - Balance Transfer
  - Cash Advance
  - Foreign Transaction Fee

Penalty Fees
  - Late Payment Fee
  - Returned Payment 
  - Over-the-Credit-Limit

up to $15.00
up to $35.00
up to $10.00
Other Fees None
Minimum Payment 2.5% of outstanding balance or $25, whichever is greater

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Download the Interest Rates and Charges here.

Apply Now!

*Rate differential based on credit score. **Default rate effective if payment not received within 60 days of payment due date.

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