Compare Our Cards

1.99% intro rate for 12 months

Flex rewards card

Flex Rewards Mastercard® »

Points earned on all purchases:

  • 2 points for every dollar spent on travel, entertainment and dining purchases
  • 1 point for every dollar spent
Intro offer through 6/30/19: 1.99% APR* for 12 months on purchases and balance transfers made within 60 days after opening a new VACU credit card. Also earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening.

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

15.24% - 26.24% APR** variable rate based on prime

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cash rewards card

Cash Rewards Mastercard® »

Earn cash back on every purchase:

  • 3% on gas
  • 2% on groceries and restaurant purchases
  • 1% on all other purchases
Intro offer through 6/30/19: 1.99% APR* for 12 months on purchases and balance transfers made within 60 days after opening a new VACU credit card.

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

13.24% - 24.24% APR** variable rate based on prime

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Essential Mastercard card

Essential Mastercard® »

Get the credit you need with a low everyday purchase rate and no annual fee.

Intro offer through 6/30/19: 1.99% APR* for 12 months on purchases and balance transfers made within 60 days after opening a new VACU credit card.

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

11.24% - 22.24% APR** variable rate based on prime

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CARD TYPE

Flex Rewards Mastercard® »

Flex rewards card

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Cash Rewards Mastercard® »

cash rewards card

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Essential Mastercard® »

Essential Mastercard card

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KEY BENEFITS
Earn 2x points on travel, entertainment and dining and 1x on all other purchases. Also earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening. Earn cash back on every purchase. 3% on gas, 2% on groceries & restaurant purchases and 1% on all other purchases. Get the credit you need with a low everyday purchase rate and no annual fee.
INTRO OFFER THROUGH 6/30/19
1.99% APR* for 12 months on purchases and balance transfers
made within 60 days after opening a new VACU credit card.

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

PURCHASE RATE
15.24% - 26.24% APR**
variable rate based on prime
13.24% - 24.24% APR**
variable rate based on prime
11.24% - 22.24% APR**
variable rate based on prime

Included with all of our credit cards:

  • $0 annual fee
  • $0 cash advance fee
  • $0 balance transfer fee
  • $0 foreign transaction fee

 

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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: 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 11.24% to 12.24% variable APR for Essential Mastercard; 13.24% to 14.24% variable APR for Cash Rewards Mastercard; and 15.24% to 16.24% variable APR for Flex Rewards Mastercard as of 4/1/19 and subject to change. We will begin charging interest on balance transfers on the transaction date. 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.

**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.