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Cash Rewards Mastercard®

Earn cash back on the things you buy every day.

Our lowest intro rate. Ever.

1.99%

APR for 12 months1 on purchases made within 60 days after opening your card. After that, variable 13.24%-24.24% 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 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 24.24% variable APR for Cash Rewards Mastercard as of 4/1/19 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.
Points and cash back

3-2-1

Earn cash back2 on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else

  • 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

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. 

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 fees

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

Manage cards

Turn cards on or off,
apply for limit increases,
transfer balances, and more
from online banking or our
mobile banking app

Chip technology

Gain an added level of security and
global usability with chip technology

Digital wallets

Conveniently pay and manage
information with digital wallets

Mastercard® benefits

Enjoy all the added benefits from Mastercard®
at no additional cost