Credit Union of Southern California Secured Visa Platinum Rewards Review

This is a rewards credit card issued by Credit Union of Southern California. If you're wondering whether Credit Union of Southern California Secured Visa Platinum Rewards is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 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.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

The Good	The Bad
No annual fee. Travel accident and travel assistance insurance. Cardholders can earn rewards on their purchases. Credit Union of Southern California Secured Visa Platinum Rewards reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Does Credit Union of Southern California Secured Visa Platinum Rewards have a cash back or rewards program?

Credit Union of Southern California Secured Visa Platinum Rewards is a rewards card. This card features rewards for purchases in the following categories:

Credit Union of Southern California Secured Visa Platinum Rewards Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Credit Union of Southern California Secured Visa Platinum Rewards benefits?

It provides the following benefits:

• Emergency Support
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Credit Union of Southern California Secured Visa Platinum Rewards?

It has a variable purchase APR of up to 14.90%.

The card has a variable balance transfer APR starting at 14.90% . The card has a variable cash advance APR of up to 14.90%.

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.

What are the fees for Credit Union of Southern California Secured Visa Platinum Rewards?

The following fees apply:

Credit Union of Southern California Secured Visa Platinum Rewards Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $10

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 Secured Visa Platinum Rewards report your account activity to credit bureaus?

Yes, Credit Union of Southern California Secured Visa Platinum Rewards reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Credit Union of Southern California Secured Visa Platinum Rewards

• Visit the Credit Union of Southern California Secured Visa Platinum Rewards website.
• 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.