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

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

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.

Fees
(Annual, cash advance, foreign transaction)
Fees
(Annual, cash advance, foreign transaction)

$0

Fees
(Annual, cash advance, foreign transaction)

$0

Fees
(Annual, cash advance, foreign transaction)

$0

Intro Offer
Intro Offer

1.99% APR? for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card.

Intro Offer

1.99% APR? for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card.

Intro Offer

1.99% APR? for 18 months on purchases and balances transferred within 60 days after opening a new VACU credit card.

Purchase Rate
Purchase Rate

18.24%29.24% APR

variable rate based on prime?

Purchase Rate

16.24%27.24% APR

variable rate based on prime?

Purchase Rate

14.24%25.24% APR

variable rate based on prime?

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Receive a special credit card offer?

If so, you’re one step closer to saving with us. Accept your special offer today!

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

  • 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.

 

 

  • Credit Card Resources

    See More Resources

    • 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.
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