Credit card application virginia

Cash Rewards Mastercard ®

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

Show your VCU pride with the Black & Gold Mastercard® 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 VACU Mastercards. Learn more

No, just a low rate

Essential Mastercard ®

Show your VCU pride with the Black & Gold Mastercard® 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 VACU Mastercards. Learn more

Rewards

What kind of rewards are you most interested in?

Cash

Cash Rewards Mastercard ®

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

Show your VCU pride with the Black & Gold Mastercard® 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 VACU Mastercards. Learn more

Travel

Flex Rewards Mastercard ®

Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more - 2x points on travel, entertainment and dining, and 1x on all other purchases. And earn 20,000 bonus points when you spend $3,000 within the first 90 days. Apply now Learn more

Show your VCU pride with the Black & Gold Mastercard® 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 VACU Mastercards. Learn more

Merchandise and Gift Cards

Flex Rewards Mastercard ®

Earn points on everything you buy, and redeem them for gift cards, travel, experiences and more - 2x points on travel, entertainment and dining, and 1x on all other purchases. And earn 20,000 bonus points when you spend $3,000 within the first 90 days. Apply now Learn more

Show your VCU pride with the Black & Gold Mastercard® 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 VACU Mastercards. Learn more

2x points on travel, entertainment and dining

1x on all other purchases

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

2% back on groceries and restaurant

1% back on all other purchases

Lowest purchase rate with no annual fee

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

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

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

Easily redeem points in your online banking account for cash back, gift cards, travel perks, and more.

Redeem your cash back in our app or your online banking account to receive either a direct deposit or statement credit. Your cash never expires and there's no limit on redemption.

variable rate based on prime?

variable rate based on prime?

variable rate based on prime?

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.

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®

Rewards

2x

Introductory offer

20,000

Cash Rewards Mastercard®

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

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

Mastercard® benefits

VCU Black & Gold Mastercard®

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

Discounts

20% off

Features of Every Credit Card

No annual fee

No cash advance fee

No foreign transaction fees

Manage cards

Contactless payments

Digital wallet

Mastercard® benefits

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.

Credit Card Resources

Credit Card FAQs

The Credit Card Explained

Together, we’ll walk through what to look for when shopping for a credit card, and what to remember once you’ve got your card.

Contactless Payment

• 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 9/13/2024 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 9/13/2024 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 9/13/2024 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 9/13/2024 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.

Insured by NCUA Equal Housing Opportunity NMLS# 407552