Essential Mastercard®

Low everyday purchase rates

Special balance transfer rates from 2.99%

Product APR* as low as
Essential Mastercard® 10.99%
* 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: 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 is currently 10.99%-21.99% APR as of 12/1/2018. 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.