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Credit Cards

Choose from three great cards - each with low rates, awesome features and no annual fees.

Flex Rewards Mastercard®

Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more.

Rewards

2x

Earn 2x points on travel, entertainment and dining, and 1x on all other purchases

Introductory offer

20,000

Earn 20,000 bonus points when you spend $3,000 within the first 90 days

Cash Rewards Mastercard®

Get cash back on everyday purchases.

Cash back

3-2-1

Earn cash back2 on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchases

  • 2 Rebate Rewards. Standard 1% reward on all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the account each billing cycle. Earn additional bonus rewards on the first $3,000 of net purchases in each of these three categories annually 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 may be redeemed through Online Banking, the VACU Mobile App or by contacting Member Services. Minimum redemption is $5.00.
No annual fee

$0

Get the benefits of the card with no annual fee

Essential Mastercard®

Our most popular card gives you the basics plus the benefits of Mastercard® — and our lowest everyday purchase rate.

No annual fee

$0

Get the benefits of the card with no annual fee

Mastercard® benefits

Security, 24-hour assistance, and other benefits from Mastercard® at no cost to you

Features of every credit card

No annual fee

Enjoy all the benefits of Mastercard® without any additional fees

No cash advance fee

Need cash? Pay no fees if you want to use your credit card to get cash

No balance transfer fee

Save when you transfer balances from higher-rate cards and loans from other lenders to your VACU credit card

No foreign transaction fees

In other countries, the price you see is the price you’ll pay

Manage cards

Turn cards on or off, apply for limit increases, transfer balances, and more from online banking or our mobile banking app

Chip technology

Gain an added level of security and global usability with chip technology

Digital wallet

Conveniently pay and manage information with digital wallets

Mastercard® benefits

Enjoy all the added benefits from Mastercard® at no additional cost

Compare our cards

Attribute to Compare Flex Rewards Mastercard®
The Flex Rewards Mastercard®
Cash Rewards Mastercard®
The Cash Rewards Mastercard®
Essential Mastercard®
The Essential Mastercard®
Key Benefits
Key Benefits

2x points on travel, entertainment and dining
1x on all other purchases
Earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening

Key Benefits

3% back on gas
2% back on groceries and restaurant
1% back on all other purchases

Key Benefits

Lowest purchase rate with no annual fee

Fees
(Annual, cash advance, balance transfer, foreign transaction)
Fees
(Annual, cash advance, balance transfer, foreign transaction)

$0

Fees
(Annual, cash advance, balance transfer, foreign transaction)

$0

Fees
(Annual, cash advance, balance transfer, foreign transaction)

$0

Intro offer
Intro offer

1.99% APR1 for 12 months on purchases and balance transfers made within 60 days after opening a new VACU credit card.

  • 1 After that, the APR changes to the purchase APR in effect.
Intro offer

1.99% APR1 for 12 months on purchases and balance transfers made within 60 days after opening a new VACU credit card.

  • 1 After that, the APR changes to the purchase APR in effect.
Intro offer

1.99% APR1 for 12 months on purchases and balance transfers made within 60 days after opening a new VACU credit card.

  • 1 After that, the APR changes to the purchase APR in effect.
Purchase rate
Purchase rate

14.99% – 25.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/14/2019. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal.
Purchase rate

12.99%-23.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/14/2019. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal.
Purchase rate

10.99% - 21.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/14/2019. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal.
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