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 11.90% to 18.00% variable (APR effective 10.17.2026) after a 0.00% Introductory APR for balance transfers made within the first 60 days that the account is open introductory rate. Typical credit limit: The minimum approved credit line is $500.