Cash Rewards Mastercard®

Earn cash back? on every purchase with our Cash Rewards Mastercard. You’ll earn 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchases.

Apply now Receive a special credit card offer?

Features of every Cash Rewards card:

Fewer fees
No annual fee, no cash advance fee, AND no foreign transaction fee.
Get your cash fast
Get your cash back as a direct deposit to your VACU checking or savings account, or have it applied as a statement credit.
No expiration date
Great news! Your cash back never expires.
Easy to redeem
Redeem your cash in our app or through online banking.
Manage Cards
Lock and unlock your cards, make online payments, and more with Manage Cards.
Contactless payments
Fast. Secure. Convenient. Just tap and go with our contactless card technology.
Digital wallet
Conveniently pay and manage information with digital wallets.
Mastercard® benefits
Feel supported with credit monitoring, Zero Liability protection, and round-the-clock Mastercard Global Service.

Show your VCU pride with the Black & Gold Mastercard®

Take your Ram pride wherever you go with the official card design of VCU fans. Pick from three options to deck out any one of our VACU credit cards with an exclusive VCU design. Plus, get the benefit of special VCU-related discounts added to your card!

Apply now Learn more

Credit Card Resources
See More Resources
- Credit Card FAQs
  Frequently asked questions about credit cards.
- Mastercard® Benefits
  Enjoy all of the added benefits of Mastercard at no cost to you or your credit union. For more information about these benefits call 800 Mastercard.
- Manage Cards
  Manage your VACU cards anytime, anywhere. Access features for your credit and debit cards within online banking and our mobile banking app.

Helpful Articles

1
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.
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 currently 15.24% to 17.99% variable APR for Cash Rewards Mastercard as of 05/20/2025 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.

Cash Rewards Mastercard®

Our lowest intro rate. Ever.

0%

Cash back.

3-2-1

Save on fees.

$0

Features of every Cash Rewards card:

Show your VCU pride with the Black & Gold Mastercard®

Credit Card Resources

Credit Card FAQs

Mastercard® Benefits

Manage Cards

Helpful Articles

6 Things You Need to Know About Balance Transfers

Team points vs team cash back: How I chose my rewards card

Watch: Build a Better Budget

Get cash back on everyday purchases.