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  Credit Union of Southern California Secured Visa Platinum Rewards

Credit Union of Southern California Secured Visa Platinum Rewards

in Personal Credit Cards from Credit Union of Southern California

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Credit Union of Southern California Secured Visa Platinum Rewards

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in Personal Credit Cards from Credit Union of Southern California

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Highlights
Purchase APR  (Variable APR) Up to 14.90
Balance Transfer APR  (Variable APR) Starting at 14.90
Credit Score Range 700 - 850
Annual Fee $0

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.

Key Takeaways
  • 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.
Pros & Cons of Credit Union of Southern California Secured Visa Platinum Rewards
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.
Credit Union of Southern California Secured Visa Platinum Rewards FAQ

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

Does Credit Union of Southern California Secured Visa Platinum Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Credit Union of Southern California Secured Visa Platinum Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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.

Does Credit Union of Southern California Secured Visa Platinum Rewards 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 Secured Visa Platinum Rewards 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 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 have a foreign transaction fee?

Credit Union of Southern California Secured Visa Platinum Rewards charges a foreign transaction fee of 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 Secured Visa Platinum Rewards?

The Credit Union of Southern California Secured Visa Platinum Rewards customer service number is (562) 945-2214.

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.

View Credit Union of Southern California Secured Visa Platinum Rewards's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

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

About Credit Union of Southern California Secured Visa Platinum Rewards

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View all personal credit cards offered by Credit Union of Southern California

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 2
Foreign Currency Transaction Fee 1
Minimum Interest Charge 0.50
Returned Payment Fee Up to 25
Late Fee Amount Up to 10
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) Up to 14.90
Balance Computation We use a method called "average daily balance (including new purchases)."
Penalty APR (Variable APR) 19.90
Purchase APR (Variable APR) Up to 14.90
Balance Transfer APR (Variable APR) Starting at 14.90
Card Type
  • Rewards
Card Network Visa

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