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Flex Rewards Mastercard® »

Flex rewards card


Cash Rewards Mastercard® »

cash rewards card


Essential Mastercard® »

Essential Mastercard card


Earn 2x points on travel, entertainment and dining and 1x on all other purchases. 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.
14.99% - 25.99% APR*
variable rate based on prime
12.99% - 23.99% APR*
variable rate based on prime
10.99% - 21.99% APR*
variable rate based on prime
Earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening. --- ---

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.

*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.