Cash Rewards Mastercard®

Cash back on all purchases.

Did you receive a special credit card offer?

Included with all of our credit cards:

  • $0 annual fee
  • $0 cash advance fee
  • $0 balance transfer fee
  • $0 foreign transaction fee
  • Chip technology for greater global usability and security
  • Digital Wallet enabled
  • Added benefits from Mastercard

Special balance transfer rates from 4.99%

Interested in one of our other credit cards?


Essential Mastercard

Low everyday purchase rate as low as 10.99% APR.

Flex rewards card

Flex Rewards Mastercard

Earn points on all your purchases & choose the rewards you want.

credit cardAlready have our card?

Whether you're looking to transfer balances to your card, increase your limit or learn more about the features of your VACU Mastercard, our resources can help.

 View our Cardholder Resources

 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.

**Conditions of Offer: You must be a VACU member in good standing; not all members qualify for this offer. Which promotional APR for Balance Transfers that a qualified member receives, is based upon the member’s standard APR for Balance Transfers. Balances transferred from other lenders from 10/1/18 to 12/31/18 retain a promotional APR for eighteen months from the posting date. After that, the APR changes to the Balance Transfer APR then in effect which as of 12/1/2018 is 12.99%-23.99% APR. We will begin charging interest on balance transfers on the transaction date. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU reserves the right to decline any balance transfer request. Refer to VACU's Credit Card Disclosure Statement for Mastercard for more information.