Flex Rewards Mastercard® Receive a special offer?1 Get Started 1Not all members qualify. Please see our Disclosure for Special Offers for more information. View sample rewards. Flex Rewards Program Terms & Conditions Included with all of our credit cards: Interested in one of our other credit cards? Mastercard Low everyday purchase rate as low as 9.74% APR. Cash Rewards Mastercard Earn 1% rebate on all your purchases. Interested in one of our other credit cards? Mastercard Low everyday purchase rate as low as 9.74% APR. Cash Rewards Mastercard Earn 1% rebate on all your purchases. Already have our card? Whether you're looking to transfer balances to your card, increase your limit or learn more about the features of your VACU Mastercard, our resources can help. View our Cardholder Resources *Conditions of Offer: You must be a VACU member in good standing; not all members qualify for this offer. Which promotional APR for Balance Transfers that a qualified member receives, is based upon the member’s standard APR for Balance Transfers. Balances transferred from other lenders from 4/1/17 to 6/30/17 retain a promotional APR for two years from the posting date. After that, the APR changes to the Balance Transfer APR in effect which is currently 13.74% - 15.74% APR as of 6/1/2017. We will begin charging interest on balance transfers on the transaction date. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU reserves the right to decline any balance transfer request. Refer to VACU's Credit Card Disclosure Statement for MasterCard for more information.