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Credit Cards

Choose the right card for your every day

Earn unlimited rewards points
Flex Rewards Mastercard card art
Flex Rewards Mastercard®

Get 20,000 bonus points when you spend $3,000 within the first 90 days! Get 2X points on travel, entertainment, and dining and 1X points on everything else.

Intro APR

0% APR? applies for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60-day introductory period.

APR (variable)

17.24% - 17.99%?

No annual, cash advance, and foreign transaction fees

$0

More benefits

Easily redeem points through online banking for gift cards, travel, cash back, and more. Plus get tap to pay, digital wallet capability, on-the-go banking through our Manage Cards app, and Mastercard perks.

Get cash back on every purchase
Cash rewards Mastercard card art
Cash Rewards Mastercard®

Earn 3% cash back on gas, 2% back on groceries and restaurants, and 1% back on everything else. Make every day more rewarding, and get cash back when you buy.

Intro APR

0% APR? applies for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60-day introductory period.

APR (variable)

15.24% – 17.99%? 

No annual, cash advance, and foreign transaction fees

$0

More benefits

Redeem your cash back as a direct deposit or a statement credit whenever you'd like. Plus get tap to pay, digital wallet capability, on-the-go banking through our Manage Cards app, and Mastercard perks.

Save with our lowest rate
Essential Mastercard card art
Essential Mastercard®

Keep things simple while building credit. Choose the Essential Card for your everyday purchases, and save with our lowest rate.

Intro APR

0% APR? applies for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60-day introductory period.

APR (variable)

13.24% – 17.99%?

No annual, cash advance, and foreign transaction fees

$0

More benefits

Get tap to pay, digital wallet capability, on-the-go banking through our Manage Cards app, and Mastercard perks.

Two people smiling while ordering at a food truck with VCU Mastercard art overlaid on top
Get rewarded with the VCU Black & Gold Mastercard®

Rep VCU every time you buy! Pick from three exclusive designs, complete with special VCU-related perks and discounts.

Features you can expect from every card:

  • 0% intro rate

    0% APR? applies for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable APR applies.

  • No annual fee

    Enjoy all the benefits of Mastercard without an annual fee.

  • No cash advance fee

    Need cash? Pay no fees when you use your credit card for cash advances.

  • 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 payments and more with Manage Cards.

  • Mastercard benefits

    Feel supported with credit monitoring, Zero Liability protection, and round-the-clock Mastercard Global Service.

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804-323-6800 VACU Routing Number 251082615
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    After that, the APR changes to the purchase APR in effect.

  • 2

    Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is 17.24% to 17.99% variable APR for Flex Rewards Mastercard as of 04/23/2025 and subject to change. We will begin charging interest on balance transfers on the transaction dates. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information.

  • 3

    Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 15.24% to 17.99% variable APR for Cash Rewards Mastercard as of 04/23/2025 and subject to change. We will begin charging interest on balance transfers on the transaction dates. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the Purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information.

  • 4

    Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 13.24% to 17.99% variable APR for Essential Mastercard as of 04/23/2025 and subject to change. We will begin charging interest on balance transfers on the transaction dates. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information.

  • 5

    Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 13.24% to 17.99% variable APR for Essential Mastercard; 15.24% to 17.99% variable APR for Cash Rewards Mastercard; and 17.24% to  17.99% variable APR for Flex Rewards Mastercard as of 04/23/2025 and subject to change. We will begin charging interest on balance transfers on the transaction dates. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information.

  • 6

    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.

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