Essential Mastercard®

1.99% intro rate for 12 months

Product APR* as low as
Essential Mastercard® 11.24%
* Read Important Disclosure

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Did you receive a credit card special offer?

Included with all of our credit cards:

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

Interested in one of our other credit cards?

Cash rewards card

Cash Rewards Mastercard

Earn 1% rebate on all your purchases.

Flex Rewards Card

Flex Rewards Mastercard

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


credit-card Already 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

*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 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.