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  • Credit Cards

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

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Compare our cards

Attribute to Compare Flex Rewards Mastercard®
Flex Rewards Mastercard
Cash Rewards Mastercard®
Cash Rewards Mastercard
Essential Mastercard®
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% APR? for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card.

Intro offer

1.99% APR? for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card.

Intro offer

1.99% APR? for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card.

Purchase rate
Purchase rate

18.24%29.24% APR

variable rate based on prime?

Purchase rate

16.24%27.24% APR

variable rate based on prime?

Purchase rate

14.24%25.24% APR

variable rate based on prime?

Attribute to Calls to action Apply now Apply now Apply now

VCU 3 cards

Show your VCU pride with the Black & Gold Mastercard®

Take your VCU pride with you wherever you go with the official credit card of VCU fans everywhere! Choose from one of three designs and get special VCU-related discounts in addition to the great benefits that come with our credit cards.

Apply now   Learn more

Receive a special credit card offer?

If so, you’re one step closer to saving with us. Accept your special offer today!

Please read our Disclosures for Special Offers for important information related to your offer.

    • Flex Rewards Mastercard®

      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®

      Cash Rewards Mastercard

      Get cash back on everyday purchases.

    • Cash back

      3-2-1

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

    • No annual fee

      $0

      Get the benefits of the card with no annual fee

    • Essential Mastercard®

      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

    • VCU Black & Gold Mastercard®

      VCU Cards

      Show your pride with the official card of VCU fans and alumni and get VCU-specific discounts!

    • Discounts

      Get discounted or BOGO tickets to select VCU games.

    • 20% off

      Your purchase at both Barnes & Noble at VCU Bookstore locations?

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

    Lock and unlock your cards, make online payments, and more with Manage Cards

  • Mastercard® benefits

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

Become a member.

When you become a credit union member, you can access these great cards, low rates, online and mobile banking, member discounts and more.

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