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  • VCU Black & Gold Mastercard®

    Show your pride with the official credit card of VCU fans and alumni.

city aerial shot

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

 

3 VCU cards together

Exciting VCU-only benefits

Choose the VCU Black & Gold Mastercard® that fits your lifestyle

Attribute to Compare
Flex Rewards Mastercard®
Flex Rewards Mastercard VCU options
Cash Rewards Mastercard®
Cash Rewards Mastercard VCU options
Essential Mastercard®
Essential Mastercard VCU options
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

BOGO free tickets to VCU Athletics
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

BOGO free tickets to VCU Athletics
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

BOGO free tickets to VCU Athletics
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

12.99% – 23.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/30/2021. 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

10.99%-21.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/30/2021. 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

8.99% - 19.99% APR
variable rate based on prime1

  • 1 Rate effective as of 11/30/2021. 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.
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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.

  • 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.