USE Credit Union
Card Center

Choose the Card That's Right for You.

Life is so much better with the right credit card. That’s why USE Credit Union offers three options to serve the varied needs and credit profiles of our membership. You can choose between: Platinum Card, Credit Builder Card, and Savings Secured Card. And all our cards earn rewards points you can redeem for gift cards, cash back, travel, merchandise, and much more.

  Platinum Card Credit Builder Card Savings Secured Card
Features Lowest Rate, Platinum Benefits, Rewards! Platinum Benefits, Rewards, Build Credit! Secured By Savings, Establish Credit!
Annual Percantage Rate As low as 9.90% 17.90% 4.99%
Earns Rewards Yes Yes Yes
Maximum Credit Limit $30,000 $1,500 $100,000
Annual Fee None in most cases* $5 None
Balance Transfer Fee None None None
Cash Advance Fee None None None
Same rate for purchases, transfers and advances? Yes Yes Yes
Mastercard Benefits Yes Yes Yes
Zero Fraud Liability Yes Yes Yes


*$25 for Platinum Classic Card

More Features with Every Card!
While other companies complicate your life with different rates for purchases and advances, we keep it simple: One easy rate no matter how you use your card. The following features apply to all our cards:

  • One Easy Rate. One competitive rate for purchases, balance transfers and cash advances.
  • No Balance Transfer or Cash Advance Fees. Practically unheard of these days, but it’s true at USE Credit Union!
  • Earn Rewards! Points. Whichever card you have, you automatically earn Rewards! Points when you spend.
  • Zero Fraud Liability.* You’re not responsible for unauthorized charges on your account.
  • Platinum-Level Benefits. Price Protection and much more at no extra charge.
  • Chip Technology. In-store purchases are protected by the latest security features in most cases.

All loans subject to credit approval. Credit Cards are issued by USE Credit Union pursuant to a license agreement by Mastercard International Incorporated. *To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. Refer to the account and card agreements for full details.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government BBB Equal Housing Opportunity MasterCard SecureCode Sprint Credit Union Service Centers
ABA Routing Number: 322281691
© 2018 USE Credit Union