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 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 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. 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 FAQs Frequently asked questions about credit cards. Credit Card vs. Debit Card Debit and credit cards are convenient ways to pay, and many people use both types of cards. Each has advantages and also things to consider. 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.