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  • Essential Mastercard®

    Get the credit you need, with our lowest everyday purchase rate and no annual fee.

  • Essential Mastercard
Our lowest intro rate. Ever.


APR for 18 months1 on purchases made within 60 days after opening your card. After that, variable 14.24%- 25.24% 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 as of 12/1/2023 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.
Great low rate

Low rate

Save on every purchase and balance transfer with our lowest everyday rate

No annual fee


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 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

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 wallets

Conveniently pay and manage information with digital wallets

Mastercard® benefits

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

VCU Essential Mastercard

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 Essential Mastercard.

Apply now   Learn more

Get a credit card to fit your everyday needs.

For our lowest purchase rate, you want the Essential Mastercard®.