Platinum Rewards Visa® Credit Card — Credit Union of Southern California is a personal credit card from Credit Union of Southern California. The annual fee is Low rate and no annual fee. Signup bonus: Plus get 30,000 Dream Points (redeemable for $240 cash) when you spend $4,000 in the first six months.. Rewards: The CU SoCal Dream Points you earn from your Platinum Rewards Visa Credit Card are redeemable for cash, gift cards, merchandise, travel.