Last Updated: 07/28/2025
Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
19.90%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card Review
This is a secured credit card issued by Credit Union of Southern California. If you're wondering whether Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 19.90%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 2% balance transfer fee. Credit Union of Southern California Share Secured Visa Platinum Rewards 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Pros & Cons of Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card
| The Good | The Bad |
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Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card FAQ
Does Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Credit Union of Southern California Share Secured Visa Platinum Rewards 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 Share Secured Visa Platinum Rewards Credit Card has a variable purchase APR of 19.90%. The card has a variable balance transfer APR of 19.90% . It also has a variable cash advance APR of 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 Share Secured Visa Platinum Rewards 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 Share Secured Visa Platinum Rewards 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 Share Secured Visa Platinum Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card have a foreign transaction fee?
Credit Union of Southern California Share Secured Visa Platinum Rewards 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 Share Secured Visa Platinum Rewards Credit Card?
The customer service number for Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card is (562) 945-2214.
What is the support contact email for Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card?
The support contact email for Credit Union of Southern California Share Secured Visa Platinum Rewards Credit Card is support@cusocal.org.
How do people rate the customer service and user experience of Credit Union of Southern California Share Secured Visa Platinum Rewards 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 Share Secured Visa Platinum Rewards Credit Card report your account activity to credit bureaus?
Yes, Credit Union of Southern California Share Secured Visa Platinum Rewards 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 Share Secured Visa Platinum Rewards 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 Share Secured Visa Platinum Rewards Credit Card
- Visit the website of Credit Union of Southern California Share Secured Visa Platinum Rewards 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.
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.
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
Other Services by Credit Union of Southern California
Other Credit Cards from Credit Union of Southern California
Rating not yet determined
Purchase APR
8.90% - 15.90%
Disclaimer popup with additional information
Balance Transfer APR
8.90% - 15.90%
Disclaimer popup with additional information
Credit Score Range
600 - 699
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
14.15% - 19.90%
Disclaimer popup with additional information
Balance Transfer APR
14.15% - 19.90%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
6.9% - 13.9%
Disclaimer popup with additional information
Balance Transfer APR
6.9% - 13.9%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
12.15% - 19.15%
Disclaimer popup with additional information
Balance Transfer APR
12.15% - 19.15%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 14.90%
Balance Transfer APR
Starting at 14.90%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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