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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 back,? rewards points on every purchase, or just a lower rate, the VCU Black & Gold Mastercard lets you flash your VCU pride.

 

Choose from three great VCU card designs

3 VCU cards together

Exclusive VCU benefits

Choose the VCU Black & Gold Mastercard that fits your lifestyle

Attribute to Compare Flex Rewards Mastercard
vcu flex cards
Cash Rewards Mastercard
cash rewards vcu
Essential Mastercard
essential card vcu

Key benefits

Key benefits

2x points on travel, entertainment, and dining
1x points 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 dining
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 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 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 at both Barnes & Noble at VCU Bookstore locations?
$20 off any $100+ purchase at M.LaHart & Co.’s VCU shop

Annual, cash advance, and foreign transaction fees

Annual, cash advance, and foreign transaction fees

$0

Annual, cash advance, and foreign transaction fees

$0

Annual, cash advance, and foreign transaction fees

$0

Reward details

Reward details

Easily redeem points through online banking for gift cards, travel, cash back, and more.

Reward details

Redeem your cash back through online banking or the mobile app via a direct deposit or a statement credit whenever you'd like. There's no expiration date.

Reward details

Intro offer

Intro offer

0% APR applies for 12 months? on purchases and transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.

Intro offer

0% APR applies for 12 months? on purchases and transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.

Intro offer

0% APR applies for 12 months? on purchases and transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.

Purchase rate

Purchase rate

16.49% – 17.99% APR
variable rate based on prime?

Purchase rate

14.49% – 17.99% APR
variable rate based on prime?

Purchase rate

12.49% – 17.99% APR
variable rate based on prime?
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Features of every credit card:

0% intro rate

APR applies for 12 months?  on purchases and transfers made within 60 days after opening your card. After that, a variable APR applies.

No annual fee

Enjoy all the benefits of Mastercard® without an annual fee.

No cash advance fee

Need cash? Pay no fees when you use your credit card for cash advances.

No foreign transaction fees

In other countries, the price you see is the price you’ll pay.

Online banking

Lock and unlock your cards, make payments, and more within online banking and our mobile app.

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

Feel supported with credit monitoring, Zero Liability protection, and round-the-clock Mastercard Global Service.

Apply now

Get started by selecting the VCU Black & Gold Mastercard that best fits your lifestyle.

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  • 1

    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.

  • 2

    Exclusions apply. Discount does not apply to technology items, graduation regalia and digital books.

  • 3

    After that, the APR changes to the purchase APR in effect.

  • 4

    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 16.49% to 17.99% variable APR for Flex Rewards Mastercard as of 11/15/2026 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 5

    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 currently 14.49% to 17.99% variable APR for Cash Rewards Mastercard as of 11/15/2026 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 6

    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 currently 12.49% to 17.99% variable APR for Essential Mastercard as of 11/15/2026 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 7

    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 currently 12.49% to 17.99% variable APR for Essential Mastercard; 14.49% to 17.99% variable APR for Cash Rewards Mastercard; and 16.49% to  17.99% variable APR for Flex Rewards Mastercard as of 11/15/2026 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.