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  • You do you. Get rewarded for it.

    Take your pick from our Cash or Flex Rewards credit cards, and turn your everyday purchases into rewards, or save on interest with our easy-to-use Essential Card.

  • Intro offer:

    0.00

    ?

    for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable 12.49%- 17.99% APR applies.
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Attribute to Compare Flex Rewards Mastercard®
Flex Rewards Mastercard
Cash Rewards Mastercard®
Cash Rewards Mastercard
Essential Mastercard®
Essential Mastercard

Key benefits

Key benefits

Earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening
2x points on travel, entertainment, and dining
1x on all other purchases

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

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

Rewards details 

Rewards details 

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

Rewards 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.

Rewards details 

Intro offer

Intro offer

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

Intro offer

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

Intro offer

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

  • 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 foreign transaction fees — in other countries, the price you see is the price you’ll pay
  • Manage cards — lock or unlock your card, 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 wallets — conveniently pay and manage information with digital wallets
  • Mastercard benefits — enjoy the extra benefits from Mastercard at no additional cost
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804-323-6800 VACU Routing Number 251082615
  • 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 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 03/31/2026 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.

  • 2

    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.

  • 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 03/31/2026 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 03/31/2026 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 03/31/2026 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.

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