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  • Credit Cards

    Choose from three great cards - each with low rates, awesome features and no annual fees.

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Compare our cards

Attribute to Compare Flex Rewards Mastercard

Flex Rewards Mastercard

 Cash Rewards Mastercard

Cash Rewards Mastercard

 Essential Mastercard

Essential Mastercard

Key benefits
Key benefits

2x points on travel, entertainment, and dining

1x points on all other purchases

Earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening
Key benefits

3% back on gas

2% back on groceries and dining

1% back on all other purchases
Key benefits

Lowest purchase rate with no annual fee

Annual, cash advance, and foreign transaction fees
Annual, cash advance, and foreign transaction fees

$0
Annual, cash advance, and foreign transaction fees

$0
Annual, cash advance, and foreign transaction fees

$0

Rewards details
Rewards details

Easily redeem points through online banking for gift cards, travel, cash back, and more.
Rewards details

Redeem your cash back through online banking or the mobile app via a direct deposit or a statement credit whenever you'd like. There's no expiration date.
Rewards details

Intro offer
Intro offer

0% APR? applies for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.
Intro offer

0% APR? applies for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.
Intro offer

0% APR? applies for 12 months on purchases and balance transfers made within 60 days after opening your card. After that, a variable APR applies. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.

Purchase rate
Purchase rate

17.99% APR

variable rate based on prime?
Purchase rate

16.24% – 17.99% APR

variable rate based on prime?
Purchase rate

14.24% – 17.99% APR

variable rate based on prime?

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VCU 3 cards

Show your VCU pride with the Black & Gold Mastercard®

Take your VCU pride with you wherever you go with the official credit card of VCU fans everywhere! Choose from one of three designs and get special VCU-related discounts in addition to the great benefits that come with our credit cards.

Apply now   Learn more

Receive a special credit card offer?

If so, you’re one step closer to saving with us. Accept your special offer today!

Please read our Disclosures for Special Offers for important information related to your offer.

    • Flex Rewards Mastercard®

      Flex Rewards Mastercard

      Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more.

    • Rewards

      2x

      Earn 2x points on travel, entertainment and dining, and 1x on all other purchases

    • Introductory offer

      20,000

      Earn 20,000 bonus points when you spend $3,000 within the first 90 days

    • Cash Rewards Mastercard®

      Cash Rewards Mastercard

      Get cash back on everyday purchases.

    • Cash back

      3-2-1

      Earn cash back? on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchases

    • No annual fee

      $0

      Get the benefits of the card with no annual fee

    • Essential Mastercard®

      Essential Mastercard

      Our most popular card gives you the basics plus the benefits of Mastercard® — and our lowest everyday purchase rate.

    • No annual fee

      $0

      Get the benefits of the card with no annual fee

    • Mastercard® benefits

      Security, 24-hour assistance, and other benefits from Mastercard® at no cost to you

    • VCU Black & Gold Mastercard®

      VCU Cards

      Show your pride with the official card design of VCU fans and get VCU specific discounts added to your credit card benefits!

    • Discounts

      Get discounted or BOGO tickets to select VCU games.

    • 20% off

      Your purchase at both Barnes & Noble at VCU Bookstore locations?

Features of Every Credit Card

  • No annual fee

    Enjoy all the benefits of Mastercard® without any additional fees

  • No cash advance fee

    Need cash? Pay no fees if you want to use your credit card to get cash

  • No foreign transaction fees

    In other countries, the price you see is the price you’ll pay

  • Manage cards

    Lock and unlock your cards, make online payments, and more with Manage Cards

  • Mastercard® benefits

    Enjoy all the added benefits from Mastercard® at no additional cost

Become a member.

When you become a credit union member, you can access these great cards, low rates, online and mobile banking, member discounts and more.

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804-323-6800 VACU Routing Number 251082615
  • 1

    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 14.24% to 17.99% variable APR for Essential Mastercard; 16.24% to 17.99% variable APR for Cash Rewards Mastercard; and 17.99% variable APR for Flex Rewards Mastercard as of 11/20/2024 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 2

    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.

  • 3

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

  • 4

    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 17.99% variable APR for Flex Rewards Mastercard as of 11/20/2024 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 5

    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 16.24% to 17.99% variable APR for Cash Rewards Mastercard as of 11/20/2024 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 6

    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 14.24% to 17.99% variable APR for Essential Mastercard as of 11/20/2024 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 7

    Exclusions apply. Discount does not apply to technology items, graduation regalia and digital books.

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