
Credit Cards
Get the tools to dream bigger
What can a USECU Mastercard® do for you?
Having the right credit card makes everything feel more possible. We offer three Mastercard options with the rates and terms to help you dream bigger.
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COMPETITIVE NON-VARIABLE RATES
Our credit cards come with low non-variable rates that speak for themselves—take a look and see.
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Rewards points
No matter which card you pick, you’ll be able to redeem points for fun, travel, gift cards and more.
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Low Fees
Goodbye, cash advance and balance transfer fees. This credit card works for you, not the other way around.
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Zero Liability Protection1
What if someone steals your credit card and runs up your balance? It’s okay. You’re covered.
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EMV chip technology
Equipped with chip technology, your credit card has the best defenses available in card security.
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Simple Mobile Wallet
Experience a better way to pay. Now you can buy in-store without even touching your credit card.
Get the credit card that fits your goals.

Platinum Plus
9.90% APR
Max limit $30,000
No Annual Fee in most cases2

Credit Builder
17.90% APR
Max limit $1,500
$5 Annual Fee

Savings Secured
4.99% APR
Max limit $100,000
No Annual Fee
Earn points, get rewards.
Anything you buy on your USECU credit card—in-store, online or mobile—will earn you points. Redeem them later for a dinner out, a show, a trip, a gift card, or something else. Visit the Rewards website or call 866.678.5189 to manage your points.
Buy something
Electronics. Clothes. That thing you’ve had your eye on. Today, it’s time to treat yourself.
Turn it into cash
By using your rewards points on gift cards or statement credits, you can convert them into cash.
Make a memory
Go on a trip. Take someone out. Turn your rewards into an experience you won’t forget.
Tomorrow looks good from here.
As your local credit union, USECU offers competitive rates to help you dream bigger and build a better future.
Credit Card |
Annual Fee |
APR As Low As |
---|---|---|
Credit Card Platinum Secured |
Annual Fee None |
APR As Low As 4.99% |
Credit Card Platinum Plus |
Annual Fee None |
APR As Low As 9.90% |
Credit Card Platinum |
Annual Fee None |
APR As Low As 12.90% |
Credit Card Platinum Gold |
Annual Fee None |
APR As Low As 14.90% |
Credit Card Platinum Credit Builder |
Annual Fee $5 |
APR As Low As 17.90% |
Credit Card Platinum Classic |
Annual Fee $25 |
APR As Low As 18.90% |
Credit Card Platinum Membership |
Annual Fee $35 |
APR As Low As 19.90% |
Let’s crunch some numbers.
Need answers? We’ve got ’em.
Call our Card Activation Line at 877.723.5999 from the phone number listed on your account. If you need personal assistance activating your card, please call us at 866.873.4968.
We make it easy to change or reset your PIN. As long as you know the current PIN, you can make this change at any USECU ATM or by phone:
- Domestic: 877.267.6941
- International: + 859.488.4135
Not sure of your PIN? Visit any USECU branch to instantly change your PIN or call 866.873.4968 to receive a new PIN by mail.
If your credit card is lost or stolen, please call us immediately at 866.873.4968 (available 24 hours a day). Outside the United States, call + 812.647.9794.
You may also report your card lost or stolen using Card Management in Online or Mobile Banking.
You can make an advance from your USECU Credit card to your USECU Checking account by making a transfer. You can do this by:
- Online Banking
- Mobile Banking
- Telephone Banking
- Calling us at 866.873.4968
- Visiting one of our branches
Thank you for notifying us about your travel plans before you leave! Simply complete the Travel Notification Form under Secure Forms in Online Banking or call us at 866.873.4968.
We use a sophisticated fraud monitoring system that tracks unusual spending habits or geographic patterns. By letting us know about your travel plans ahead of time, we can make sure your card is ready and available for your trip.
Ready to take the next step?
Disclosures
All loans subject to credit approval. Rate terms and conditions subject to change. Full terms and conditions provided at application and card issuance. Mobile and data rates apply when using Mobile Banking. Credit card loan rates range from 9.90% APR – 19.90% APR and are based on credit worthiness. USE Credit Union partners with Augeo to manage the rewards program. USE Credit Union is not an affiliate of Augeo.
1. To be covered you must use reasonable care in safeguarding your card, including not contributing to any unauthorized use, and safeguard any related Personal Identification Number (PIN) or password; and report the loss or theft of your card immediately after becoming aware of it.
2. $25 for Platinum Classic card.