If you’re looking for a simple credit card with a great low rate, the Essential Mastercard comes with our lowest purchase rate.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 feesSave 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 walletsConveniently pay and manage information with digital wallets Mastercard® benefitsEnjoy all the added benefits from Mastercard® at no additional costShow 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 Essential Mastercard.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 offerPlease read our Disclosures for Special Offers for important information related to your offer. Get a credit card to fit your everyday needs.For our lowest purchase rate, you want the Essential Mastercard®. Apply now Credit Card Resources See More Resources Credit Card FAQsFrequently asked questions about credit cards. The Credit Card ExplainedTogether, 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 PaymentNo waiting, no touching the terminal, and all payments are secure.