Credit CardsChoose from three great cards - each with low rates, awesome features and no annual fees. Our lowest intro rate. Ever. 0% APRIntro rate for 12 months? on purchases and balance transfers made within 60 days after opening a new VACU Mastercard®. After that, variable 13.49% – 17.99% APR. Find the card that's right for you.What's most important to you in a credit card? Low rateAre you interested in rewards too? Yes Based on your answers, we recommend:Cash Rewards Mastercard®Earn cash back? on every purchase. Get 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more No, just a low rate Based on your answers, we recommend:Essential Mastercard®Get the benefits of Mastercard and our lowest everyday purchase rate. Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more RewardsWhat kind of rewards are you most interested in? Cash Based on your answers, we recommend:Cash Rewards Mastercard®Earn cash back? on every purchase. Get 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more Travel Based on your answers we recommend:Flex Rewards Mastercard®Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more. Get 2x the points on travel, entertainment and dining, and 1x on all other purchases. Plus earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening your card.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more Merchandise and Gift Cards Based on your answers we recommend:Flex Rewards Mastercard®Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more. Get 2x the points on travel, entertainment and dining, and 1x on all other purchases. Plus earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening your card.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more Compare our cards Attribute to Compare Flex Rewards Mastercard Cash Rewards Mastercard Essential MastercardKey benefits Key benefits2x points on travel, entertainment, and dining1x points 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 dining1% back on all other purchases Key benefitsLowest purchase rate with no annual feeAnnual, cash advance, and foreign transaction fees Annual, cash advance, and foreign transaction fees$0 Annual, cash advance, and foreign transaction fees$0 Annual, cash advance, and foreign transaction fees$0Rewards details Rewards detailsEasily redeem points through online banking for gift cards, travel, cash back, and more. Rewards detailsRedeem your cash back through online banking or the mobile app via a direct deposit or a statement credit whenever you'd like. There's no expiration date. Rewards detailsIntro offer Intro offer 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. Intro offer 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. Intro offer 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.Purchase rate Purchase rate 17.49% – 17.99% APRvariable rate based on prime? Purchase rate 15.49% – 17.99% APRvariable rate based on prime? Purchase rate 13.49% – 17.99% APRvariable rate based on prime? Attribute to Calls to action Apply now Apply now Apply now 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! 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 back? on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchasesNo 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 design of VCU fans and get VCU specific discounts added to your credit card benefits! See card details Apply now DiscountsGet discounted or BOGO tickets to select VCU games.20% offYour purchase at both Barnes & Noble at VCU Bookstore locations? 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 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 ResourcesSee 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. 0% APRIntro rate for 12 months? on purchases and balance transfers made within 60 days after opening a new VACU Mastercard®. After that, variable 13.49% – 17.99% APR.
Find the card that's right for you.What's most important to you in a credit card? Low rateAre you interested in rewards too? Yes Based on your answers, we recommend:Cash Rewards Mastercard®Earn cash back? on every purchase. Get 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more No, just a low rate Based on your answers, we recommend:Essential Mastercard®Get the benefits of Mastercard and our lowest everyday purchase rate. Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more RewardsWhat kind of rewards are you most interested in? Cash Based on your answers, we recommend:Cash Rewards Mastercard®Earn cash back? on every purchase. Get 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more Travel Based on your answers we recommend:Flex Rewards Mastercard®Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more. Get 2x the points on travel, entertainment and dining, and 1x on all other purchases. Plus earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening your card.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more Merchandise and Gift Cards Based on your answers we recommend:Flex Rewards Mastercard®Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more. Get 2x the points on travel, entertainment and dining, and 1x on all other purchases. Plus earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening your card.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more
Based on your answers, we recommend:Cash Rewards Mastercard®Earn cash back? on every purchase. Get 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more
Based on your answers, we recommend:Essential Mastercard®Get the benefits of Mastercard and our lowest everyday purchase rate. Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more
Based on your answers, we recommend:Cash Rewards Mastercard®Earn cash back? on every purchase. Get 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more
Based on your answers we recommend:Flex Rewards Mastercard®Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more. Get 2x the points on travel, entertainment and dining, and 1x on all other purchases. Plus earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening your card.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more
Based on your answers we recommend:Flex Rewards Mastercard®Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more. Get 2x the points on travel, entertainment and dining, and 1x on all other purchases. Plus earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening your card.Apply now Learn more Show your VCU pride with the Black & Gold Mastercard®Get 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 VACU Mastercards.Learn more
Compare our cards Attribute to Compare Flex Rewards Mastercard Cash Rewards Mastercard Essential MastercardKey benefits Key benefits2x points on travel, entertainment, and dining1x points 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 dining1% back on all other purchases Key benefitsLowest purchase rate with no annual feeAnnual, cash advance, and foreign transaction fees Annual, cash advance, and foreign transaction fees$0 Annual, cash advance, and foreign transaction fees$0 Annual, cash advance, and foreign transaction fees$0Rewards details Rewards detailsEasily redeem points through online banking for gift cards, travel, cash back, and more. Rewards detailsRedeem your cash back through online banking or the mobile app via a direct deposit or a statement credit whenever you'd like. There's no expiration date. Rewards detailsIntro offer Intro offer 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. Intro offer 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. Intro offer 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.Purchase rate Purchase rate 17.49% – 17.99% APRvariable rate based on prime? Purchase rate 15.49% – 17.99% APRvariable rate based on prime? Purchase rate 13.49% – 17.99% APRvariable rate based on prime? 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 back? on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchasesNo 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 design of VCU fans and get VCU specific discounts added to your credit card benefits! See card details Apply now DiscountsGet discounted or BOGO tickets to select VCU games.20% offYour purchase at both Barnes & Noble at VCU Bookstore locations?
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.