Balance Transfer Don't have a VACU credit card yet? Choose from 3 great cards! *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 10/1/15 to 12/31/15 retain a promotional APR for two years from the posting date provided no payment is ever 90 days or more past due; otherwise the promotional APR is forfeited and reverts back to the Balance Transfer APR then in effect and applies to the entire outstanding promotional transferred balance. 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 and Cash Rewards MasterCard or VACU's Credit Card Disclosure Statement for Flex Rewards MasterCard for more information. **Rebate Rewards. Standard 1% reward on all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the account each billing cycle. From 10/1/12 – 9/30/16, earn additional bonus rewards on the first $3,000 of net purchases in each of these three categories when processed by an eligible participating merchant: (a) grocery and (b) restaurant merchants - 1% bonus for a 2% total rebate; and (c) gas merchants - 2% bonus for a 3% total rebate. For each category, any net purchase in excess of $3,000 will earn the standard 1% rebate. Rewards are paid annually during the month in which your account was opened.