Now you can take your VCU pride with you wherever you go with the VCU Black & Gold Mastercard, brought to you by Virginia Credit Union. Whether you want cash back3, points back on every purchase, or just a great low rate, the VCU Black & Gold Mastercard lets you flash your VCU pride. 3 Rebate Rewards. Standard 1% reward on all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the account each billing cycle. Earn additional bonus rewards on the first $3,000 of net purchases in each of these three categories annually when processed by an eligible participating merchant: (a) grocery and (b) restaurant merchants - 1% bonus for a 2% total rebate; and (c) gas merchants - 2% bonus for a 3% total rebate. For each category, any net purchase in excess of $3,000 will earn the standard 1% rebate. Rewards may be redeemed through Online Banking, the VACU Mobile App or by contacting Member Services. Minimum redemption is $5.00. Choose from three great VCU card designs Exciting VCU-only benefits VCU Athletic Tickets Get discounted and BOGO tickets to select VCU games. M.LaHart & Co.'s VCU Shop Get $20 off any purchase of $100 or more at M. LaHart & Co.’s VCU shop. Barnes & Noble at VCU Get 20% off anything at both Barnes & Noble at VCU Bookstore locations. Choose the VCU Black & Gold Mastercard® that fits your lifestyle Attribute to Compare Flex Rewards Mastercard® Cash Rewards Mastercard® Essential Mastercard® Key Benefits Key Benefits 2x points on travel, entertainment and dining 1x on all other purchases Earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening Key Benefits 3% back on gas 2% back on groceries and restaurants 1% back on all other purchases Key Benefits Lowest purchase rate with no annual fee VCU Discounts VCU Discounts Get discounted and BOGO tickets to select VCU games. 20% off anything at both Barnes & Noble at VCU Bookstore locations. $20 off any $100+ purchase at M.LaHart & Co.’s VCU shop. VCU Discounts Get discounted and BOGO tickets to select VCU games. 20% off anything at both Barnes & Noble at VCU Bookstore locations. $20 off any $100+ purchase at M.LaHart & Co.’s VCU shop. VCU Discounts Get discounted and BOGO tickets to select VCU games. 20% off anything at both Barnes & Noble at VCU Bookstore locations. $20 off any $100+ purchase at M.LaHart & Co.’s VCU shop. Fees (Annual, cash advance, balance transfer, foreign transaction) Fees (Annual, cash advance, balance transfer, foreign transaction) $0 Fees (Annual, cash advance, balance transfer, foreign transaction) $0 Fees (Annual, cash advance, balance transfer, foreign transaction) $0 Intro Offer Intro Offer 1.99% APR1 for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card. 1 After that, the APR changes to the purchase APR in effect. Intro Offer 1.99% APR1 for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card. 1 After that, the APR changes to the purchase APR in effect. Intro Offer 1.99% APR1 for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card. 1 After that, the APR changes to the purchase APR in effect. Purchase Rate Purchase Rate 17.49% – 28.49% APR variable rate based on prime1 1 Rate effective as of 3/21/2023. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Purchase Rate 15.49% – 26.49% APR variable rate based on prime1 1 Rate effective as of 3/21/2023. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Purchase Rate 13.49% – 24.49% APR variable rate based on prime1 1 Rate effective as of 3/21/2023. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Attribute to Calls to action Apply now Apply now Apply now 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. 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 Apply Now Get started by selecting the VCU Black & Gold Mastercard that best fits your lifestyle. Flex Rewards Mastercard Cash Rewards Mastercard Essential Mastercard 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.
Attribute to Compare Flex Rewards Mastercard® Cash Rewards Mastercard® Essential Mastercard® Key Benefits Key Benefits 2x points on travel, entertainment and dining 1x on all other purchases Earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening Key Benefits 3% back on gas 2% back on groceries and restaurants 1% back on all other purchases Key Benefits Lowest purchase rate with no annual fee VCU Discounts VCU Discounts Get discounted and BOGO tickets to select VCU games. 20% off anything at both Barnes & Noble at VCU Bookstore locations. $20 off any $100+ purchase at M.LaHart & Co.’s VCU shop. VCU Discounts Get discounted and BOGO tickets to select VCU games. 20% off anything at both Barnes & Noble at VCU Bookstore locations. $20 off any $100+ purchase at M.LaHart & Co.’s VCU shop. VCU Discounts Get discounted and BOGO tickets to select VCU games. 20% off anything at both Barnes & Noble at VCU Bookstore locations. $20 off any $100+ purchase at M.LaHart & Co.’s VCU shop. Fees (Annual, cash advance, balance transfer, foreign transaction) Fees (Annual, cash advance, balance transfer, foreign transaction) $0 Fees (Annual, cash advance, balance transfer, foreign transaction) $0 Fees (Annual, cash advance, balance transfer, foreign transaction) $0 Intro Offer Intro Offer 1.99% APR1 for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card. 1 After that, the APR changes to the purchase APR in effect. Intro Offer 1.99% APR1 for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card. 1 After that, the APR changes to the purchase APR in effect. Intro Offer 1.99% APR1 for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card. 1 After that, the APR changes to the purchase APR in effect. Purchase Rate Purchase Rate 17.49% – 28.49% APR variable rate based on prime1 1 Rate effective as of 3/21/2023. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Purchase Rate 15.49% – 26.49% APR variable rate based on prime1 1 Rate effective as of 3/21/2023. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Purchase Rate 13.49% – 24.49% APR variable rate based on prime1 1 Rate effective as of 3/21/2023. Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Attribute to Calls to action Apply now Apply now Apply now
No balance transfer fee Save when you transfer balances from higher-rate cards and loans from other lenders to your VACU credit card
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.