Last Updated: 07/28/2025
Credit Union of Southern California Platinum Rewards Visa Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.15% - 19.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.15% - 19.90%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Credit Union of Southern California Platinum Rewards Visa Credit Card Review
This is a rewards card issued by Credit Union of Southern California. If you're wondering whether Credit Union of Southern California Platinum Rewards Visa Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Credit Union of Southern California Platinum Rewards Visa Credit Card has a variable regular purchase APR that ranges from 14.15% up to 19.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. Credit Union of Southern California Platinum Rewards Visa Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
Pros & Cons of Credit Union of Southern California Platinum Rewards Visa Credit Card
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Credit Union of Southern California Platinum Rewards Visa Credit Card FAQ
Does Credit Union of Southern California Platinum Rewards Visa Credit Card have a cash back or rewards program?
Credit Union of Southern California Platinum Rewards Visa Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Credit Union of Southern California Platinum Rewards Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Credit Union of Southern California Platinum Rewards Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Credit Union of Southern California Platinum Rewards Visa Credit Card benefits?
Credit Union of Southern California Platinum Rewards Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Credit Union of Southern California Platinum Rewards Visa Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Credit Union of Southern California Platinum Rewards Visa Credit Card has a variable purchase APR that ranges from 14.15% up to 19.90%. The card has a variable balance transfer APR that ranges from 14.15% up to 19.90%. It also has a variable cash advance APR that ranges from 14.15% up to 19.90%.
Note that late payments are subject to an APR of 19.90% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Credit Union of Southern California Platinum Rewards Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Credit Union of Southern California Platinum Rewards Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Credit Union of Southern California Platinum Rewards Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Credit Union of Southern California Platinum Rewards Visa Credit Card have a foreign transaction fee?
Credit Union of Southern California Platinum Rewards Visa Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Credit Union of Southern California Platinum Rewards Visa Credit Card?
The customer service number for Credit Union of Southern California Platinum Rewards Visa Credit Card is (562) 945-2214.
What is the support contact email for Credit Union of Southern California Platinum Rewards Visa Credit Card?
The support contact email for Credit Union of Southern California Platinum Rewards Visa Credit Card is support@cusocal.org.
What is the login page for Credit Union of Southern California Platinum Rewards Visa Credit Card?
You can access the login page of Credit Union of Southern California Platinum Rewards Visa Credit Card here.
How do people rate the customer service and user experience of Credit Union of Southern California Platinum Rewards Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit Union of Southern California Platinum Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, Credit Union of Southern California Platinum Rewards Visa Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Credit Union of Southern California perform a hard credit pull?
Yes, Credit Union of Southern California Platinum Rewards Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit Union of Southern California Platinum Rewards Visa Credit Card
- Visit the website of Credit Union of Southern California Platinum Rewards Visa Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM