Credit CardsChoose from three great cards - each with low rates, awesome features and no annual fees. Our lowest intro rate. Ever. 1.99% APRIntro rate for 18 months 1 on purchases and balance transfers made within 60 days after opening a new VACU Mastercard®. After that, variable 14.24% – 29.24% APR. 1 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 18 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 14.24% to 25.24% variable APR for Essential Mastercard; 16.24% to 27.24% variable APR for Cash Rewards Mastercard; and 18.24% to 29.24% variable APR for Flex Rewards Mastercard as of 8/8/2023 and subject to change. We will begin charging interest on balance transfers on the transaction date. 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. Compare our cards Attribute to Compare Flex Rewards Mastercard® Cash Rewards Mastercard® Essential Mastercard®Key Benefits Key Benefits2x points on travel, entertainment and dining1x on all other purchasesEarn 20,000 bonus points when you spend $3,000 within the first 90 days of opening Key Benefits3% back on gas2% back on groceries and restaurant1% back on all other purchases Key BenefitsLowest purchase rate with no annual feeFees(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)$0Intro 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 18.24% – 29.24% APRvariable rate based on prime11 Rate effective as of 9/28/2023. 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 16.24% – 27.24% APRvariable rate based on prime11 Rate effective as of 9/28/2023. 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 14.24% – 25.24% APRvariable rate based on prime11 Rate effective as of 9/28/2023. 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. Attribute to Calls to action Apply now Apply now Apply nowShow 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! Accept offer 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. See card details Apply now Rewards2xEarn 2x points on travel, entertainment and dining, and 1x on all other purchasesIntroductory offer20,000Earn 20,000 bonus points when you spend $3,000 within the first 90 days Cash Rewards Mastercard® Get cash back on everyday purchases. See card details Apply now Cash back3-2-1Earn cash back2 on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchases2 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$0Get 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. See card details Apply now No annual fee$0Get the benefits of the card with no annual feeMastercard® benefitsSecurity, 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! See card details Apply now DiscountsGet discounted or BOGO tickets to select VCU games.20% offYour purchase at both Barnes & Noble at VCU Bookstore locations33 Exclusions apply. Discount does not apply to technology items, graduation regalia and digital books. Features of Every Credit Card No annual feeEnjoy all the benefits of Mastercard® without any additional fees No cash advance feeNeed cash? Pay no fees if you want to use your credit card to get cash No balance transfer feeSave when you transfer balances from higher-rate cards and loans from other lenders to your VACU credit card No foreign transaction feesIn other countries, the price you see is the price you’ll pay Manage cardsLock and unlock your cards, make online payments, and more with Manage Cards Contactless paymentsFast. Secure. Convenient. Just tap and go with our contactless card technology. Digital walletConveniently pay and manage information with digital wallets Mastercard® benefitsEnjoy 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. Join Now Credit Card Resources See More Resources Credit Card FAQs Frequently asked questions about credit cards. The Credit Card Explained Together, we’ll walk through what to look for when shopping for a credit card, and what to remember once you’ve got your card. Contactless Payment No waiting, no touching the terminal, and all payments are secure.
Our lowest intro rate. Ever. 1.99% APRIntro rate for 18 months 1 on purchases and balance transfers made within 60 days after opening a new VACU Mastercard®. After that, variable 14.24% – 29.24% APR. 1 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 18 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 14.24% to 25.24% variable APR for Essential Mastercard; 16.24% to 27.24% variable APR for Cash Rewards Mastercard; and 18.24% to 29.24% variable APR for Flex Rewards Mastercard as of 8/8/2023 and subject to change. We will begin charging interest on balance transfers on the transaction date. 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.
Compare our cards Attribute to Compare Flex Rewards Mastercard® Cash Rewards Mastercard® Essential Mastercard®Key Benefits Key Benefits2x points on travel, entertainment and dining1x on all other purchasesEarn 20,000 bonus points when you spend $3,000 within the first 90 days of opening Key Benefits3% back on gas2% back on groceries and restaurant1% back on all other purchases Key BenefitsLowest purchase rate with no annual feeFees(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)$0Intro 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 18.24% – 29.24% APRvariable rate based on prime11 Rate effective as of 9/28/2023. 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 16.24% – 27.24% APRvariable rate based on prime11 Rate effective as of 9/28/2023. 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 14.24% – 25.24% APRvariable rate based on prime11 Rate effective as of 9/28/2023. 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. Attribute to Calls to action Apply now Apply now Apply now
Flex Rewards Mastercard® Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more. See card details Apply now Rewards2xEarn 2x points on travel, entertainment and dining, and 1x on all other purchasesIntroductory offer20,000Earn 20,000 bonus points when you spend $3,000 within the first 90 days
Cash Rewards Mastercard® Get cash back on everyday purchases. See card details Apply now Cash back3-2-1Earn cash back2 on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchases2 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$0Get 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. See card details Apply now No annual fee$0Get the benefits of the card with no annual feeMastercard® benefitsSecurity, 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! See card details Apply now DiscountsGet discounted or BOGO tickets to select VCU games.20% offYour purchase at both Barnes & Noble at VCU Bookstore locations33 Exclusions apply. Discount does not apply to technology items, graduation regalia and digital books.
No balance transfer feeSave when you transfer balances from higher-rate cards and loans from other lenders to your VACU credit card
The Credit Card Explained Together, we’ll walk through what to look for when shopping for a credit card, and what to remember once you’ve got your card.