---
title: Student Rewards Mastercard
description: Wherever Trojan life takes you, the Student Rewards Mastercard® helps you earn rewards while building credit along the way.
---
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.png?width=80&height=80&name=credit%20card%20(3).png "credit card (3)")
# Student Rewards Mastercard®
Wherever Trojan life takes you, the Student Rewards Mastercard® helps you earn rewards while building credit along the way. Redeem your Trojan Rewards points for travel, gift cards, merch, event tickets, and more!
[How to Get Started](https://info.usccreditunion.org/student-mastercard#start)
[Apply Now](https://usccreditunion.myori.com/app/ola/ola-consumer-loan-type?target=ola&loantype=Credit%20Card%20&loantypeoption=Student%20Rewards%20Mastercard)
.png?width=1200&height=900&name=Student%20Banking%20(29).png "Student Banking (29)")
## Intro Offer: 0% APR¹ + $225² in Statement Credits
For the first 6 billing cycles, enjoy **0% APR1** on purchases made within the first 180 days of account opening. After that, a standard variable\* APR will apply. Plus, **earn up to $2252** in statement credits for making monthly payments on time:
#### $100 after the first 3 months | $75 after the first 6 months | $50 after the first 12 months
[Apply Now](https://usccreditunion.myori.com/app/ola/ola-consumer-loan-type?target=ola&loantype=Credit%20Card%20&loantypeoption=Student%20Rewards%20Mastercard)
[**View full credit card disclosure \>**](https://www.usccreditunion.org/student-rewards-cc-disclosure)
## Build Credit & Earn Trojan Rewards
.png?width=1187&height=1306&name=Student%20Banking%20(30).png "Student Banking (30)")
### Low variable rates
No predatory interest rates
### No annual fee
More savings for what matters most
### No foreign transaction fees
Because Trojans are global
### Dollar-for-dollar points
$1 spent = 1 point
### 2x points³ on fuel & groceries
Applies to the first $5,000 each year
### ID Theft Protection⁴
Fraud monitoring, alerts and assistance
### Zero Liability Protection⁵
Against unauthorized card purchases
### No credit history required
Proof of income is required; a cosigner will boost your chances of being approved
## Proof of income required to apply! A cosigner will boost chances of being approved.
Proof of income may include employment earnings, parental or guardian financial support, student loan funds, scholarships, grants, or other verifiable sources of regular income.
## How to Apply for a Student Rewards Mastercard®
**Social Security Number or Individual Taxpayer Identification Number (ITIN) required to apply.**
### Become a Member
Complete your application [online](https://join.usccreditunion.org/) or visit a [branch](https://www.usccreditunion.org/locations/#branches) while you're on campus for Welcome Trojans Orientation, move-in day, or your return to campus!
We recommend completing your membership application first.
[Join USC Credit Union](https://join.usccreditunion.org/)
### Apply
You can apply for the Student Rewards Mastercard® [online](https://usccreditunion.myori.com/app/ola/ola-consumer-loan-type?target=ola&loantype=Credit%20Card%20&loantypeoption=Student%20Rewards%20Mastercard) or with a member-specialist at a [branch](https://info.usccreditunion.org/branches?hsLang=en-us) after submitting your membership application.
[Apply Now](https://usccreditunion.myori.com/app/ola/ola-consumer-loan-type?target=ola&loantype=Credit%20Card%20&loantypeoption=Student%20Rewards%20Mastercard)
### Get Your Card
Same- to next-day approvals are common! You'll receive your card in the mail 7 - 10 business days after approval.
-png.png?width=241&height=152&name=Student%20Rewards%20(1)-png.png)
### Enjoy Your Benefits
Add your credit card to your mobile wallet and earn Trojan Rewards on everyday purchases while making responsible payments!
## Build credit and earn Trojan Rewards. Apply for Student Rewards Mastercard® today.
[Apply Now](https://usccreditunion.myori.com/app/ola/ola-consumer-loan-type?target=ola&loantype=Credit%20Card%20&loantypeoption=Student%20Rewards%20Mastercard)
**Disclosures**
1\. APR (Annual Percentage Rate) is effective 10.6.2026 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases made during the qualifying transaction period within the first 180 days of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect for the first 6 billing cycle billing cycle after account opening, thereafter, the standard rate of 13.90% to 18.00% for purchases applies. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Rates and terms are subject to change without notice. [Click here for full disclosure](https://www.usccreditunion.org/student-rewards-cc-disclosure).
2\. Statement Credits are applied in three installments: $100 after the first 3 consecutive months of on-time payments, $75 after the first 6 consecutive months of on-time payments, and $50 after the first 12 consecutive months of on-time payments. To qualify, you must: (1) make your first transaction within 90 days of account opening, (2) make the required consecutive on-time payments, and (3) complete a minimum of 10 transactions per month (excluding payments). If any payment is more than 10 days late, or if the monthly transaction requirement is not met, the account is disqualified for statement credits from that period forward. Account must remain open and in good standing to receive credits.
3\. Fuel and grocery bonus points apply to the first $5000 in purchases in these combined categories each year.
4\. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your [guide to benefits](https://www.usccreditunion.org/Mastercard-Guide-to-Benefits-for-Credit-Cardholders) for details or call 1-800-MASTERCARD.
5\. Conditions and exceptions apply. Learn more about [Zero Liability](https://www.mastercard.com/us/en/personal/protection-and-security/zero-liability-protection.html).
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---
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