Business LoansAccounts Style 02Car LoansCareersCheckingCredit CardsDigital BankingAccounts Style 01Home Equity LoansInsuranceInvestingMembershipMortgagePersonal LoansRV, Boat, Motorcycle LoansSavings
Skip to main content
  • Flex Rewards Mastercard®

    Earn rewards on the things you buy every day.

  • Flex Rewards Mastercard
Our lowest intro rate. Ever.


APR for 18 months1 on purchases made within 60 days after opening your card. After that, variable 18.24%- 29.24% 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  18.24% to 29.24% variable APR for Flex Rewards Mastercard as of 9/28/2023 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.
Introductory offer


Earn 20,000 bonus points when you spend $3,000 within the first 90 days



Earn 2x points2 on travel, entertainment, and dining and 1x points on all other purchases.

With a Flex Rewards Mastercard, you will earn 2x points on travel, entertainment and dining purchases, and 1x on all other purchases. Redeem points for gift cards, travel, experiences, merchandise or cash!1

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 fee

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 wallet

Conveniently pay and manage information with digital wallets

Mastercard® benefits

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

VCU Flex Rewards

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 Flex Rewards Mastercard.

Apply now   Learn more

Get rewarded with the Flex Rewards Mastercard®.

Earn points on the things you buy every day.