Business LoansAccounts Style 02Car LoansCheckingCredit 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.

Our lowest intro rate. Ever.


APR for 12 months1 on purchases made within 60 days after opening your card. After that, variable 12.99%-23.99% 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 12.99% to 23.99% variable APR for Flex Rewards Mastercard as of 6/1/20 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.
Until 12/31, also earn 2x points3 at grocery stores and pharmacies.

  • 2 View sample rewards.
  • 3 Cardholders will earn 2 points per dollar spent on purchases made at participating grocery and pharmacy stores now through December 31, 2020.  Points earned will be added to cardholder’s rewards account balance on a monthly basis.  All other Flex Rewards Program Terms & Conditions remain in effect.

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

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 wallet

Conveniently pay and manage information with digital wallets

Mastercard® benefits

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