USE Credit Union
Card Center

Platinum MasterCard With No Annual Fee

Rewards Points Are Just The Beginning
The USE Platinum Rewards MasterCard® may look like just another credit card, but when you take a closer look, you see the difference your credit union can make. Our Rewards Card isn't a clone of every card in your wallet. That's because our card actually saves you money with competitive rates, fewer fees and lower monthly payments.

Why Our Card Costs Less
Unlike most credit cards today, The USE Platinum Card has a highly competitive rate1 , no annual fee, no balance transfer fee, and no cash advance fee. Plus, you earn Rewards2 points every time you swipe your card. Turn those points into free travel, brand-name merchandise, gift cards, cash back, and more. Learn about Rewards.

Money-Saving Platinum Features
Check out the full range of Platinum-level benefits that automatically come with your card at no extra charge, including Zero Fraud Liability,3 Purchase Assurance Coverage, MasterTrip Travel Assistance, RoadAssist® Service, and SecureCode™ for online peace of mind.  What’s more, as a Platinum cardholder, you enjoy the same competitive rate for purchases, balance transfers and cash advances. And you never pay a higher rate due to default.

Get Your Card Today – No Waiting!
Just apply at any local USE branch and get your card issued on the spot. Or, if you prefer, call 866.873.4968. And if you're transferring a balance from another card, we'll make it easy. Just let us know you want to move a balance to your new USECU Platinum Card.  You can also apply online at your convenience.

Already a Cardholder? Here are some helpful links to help manage your account.

Activate A Card:

Transfer A Balance:

Manage Rewards

Choose a Personal Identification Number (PIN):

  • Visit your local USE branch
  • Call toll-free: 877.267.6941
  • International #: 859.488.4135

Report a lost/stolen card:

  • Visit your local USE branch
  • Call toll free: 866.USE.4.YOU (873-4968)
  • International #: 812.647.9794

Problems Using MasterCard/Shopping Problems:

Travel notification:

  • Avoid temporary card suspension due to unusual spending patterns
  • Tell us when you travel out of state or out of the country
  • Call 866.873.4968 or complete the Travel Notification Form in Online Banking before you travel

All loans subject to credit approval. Rates, terms and conditions subject to change without notice. The USE Platinum MasterCard credit card is issued by USE Credit Union pursuant to a license agreement by MasterCard International Incorporated. 1. Rate and card features are based upon creditworthiness. Your rate may be higher. To be eligible for a USE credit card, you must be at least 18 years of age and a permanent U.S. resident with a Social Security Number. 2. USE Credit Union is not affiliated with CBSI, who manages the Platinum Rewards program on our behalf. We partner with preferred providers such as CBSI in order to provide products and services we feel may add value to your membership. We monitor these relationships closely and welcome your feedback at 3. Certain terms and conditions apply. See for more details.


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ABA Routing Number: 322281691
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