The USC Credit Union is a personal credit card from USC Credit Union. The annual fee is No annual fee (Annual Fee: None). The ongoing APR is 13.90% - 18.00% variable (APR effective 10.17.2026) after a 0.00% Introductory APR for purchases made within the first 180 days that the account is open introductory rate. Rewards: $1 spent = 1 point; $1 spent on fuel & grocery = 2 points (bonus applies to the first $5000 in purchases in these combined categories each year). Typical credit limit: The minimum approved credit line is $500.