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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% APR1 for 18 months on purchases and balances transferred 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 18 months on purchases and balances transferred 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 18 months on purchases and balances transferred 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

12.99%23.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/30/2021. 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 11/30/2021. 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

8.99% - 19.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/30/2021. 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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Show your VCU pride with the Black & Gold Mastercard®

VCU 3 cards
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®

      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

    • VCU Black & Gold Mastercard®

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

    • BOGO

      Buy one, get one free tickets for select men's basketball games and discounts on all other VCU athletic tickets

    • 25% off

      Your purchase at Barnes & Noble at VCU Bookstore—either in the store or online

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

  • 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.