Cash Rewards Mastercard® Earn cash back on the things you buy every day. Apply now Our lowest intro rate. Ever. 1.99% APR for 18 months1 on purchases made within 60 days after opening your card. After that, variable 10.99%- 21.99% APR. Points and cash back 3-2-1 Earn cash back2 on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else No annual fee $0 Earn cash back on every purchase with our Cash Rewards Mastercard. You’ll earn 3% on gas, 2% on groceries and restaurant purchases, and 1% on all other purchases. 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 balance transfer fees Save when you transfer balances from higher-rate cards and loans from other lenders to your VACU credit card No foreign transaction fees In other countries, the price you see is the price you’ll pay Manage cards Turn cards on or off, apply for limit increases, transfer balances, and more from online banking or our mobile banking app Contactless payments Fast. Secure. Convenient. Just tap and go with our contactless card technology. Digital wallets Conveniently pay and manage information with digital wallets Mastercard® benefits Enjoy all the added benefits from Mastercard® at no additional cost 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 Cash Rewards Mastercard. Apply now Learn more Get cash back on everyday purchases. Earn points on the things you buy with our Cash Rewards Mastercard. Apply now Receive a special credit card offer? If so, you’re one step closer to saving with us. Accept your special offer today! Accept offer Please read our Disclosures for Special Offers for important information related to your offer. Credit Card Resources See More Resources Credit Card FAQs Frequently asked questions about credit cards. Credit Card vs. Debit Card Debit and credit cards are convenient ways to pay, and many people use both types of cards. Each has advantages and also things to consider. Mastercard® Benefits Enjoy all of the added benefits of Mastercard at no cost to you or your credit union. For more information about these benefits call 800 Mastercard. Up Arrow Scroll to top 804-323-6800 Facebook VACU on Facebook Twitter VACU on Twitter YouTube VACU on YouTube LinkedIn VACU on LinkedIn VACU Routing Number 251082615 Footer About Us Become a Member Careers News and Events Help & Support Frequently Asked Questions Contact Us Find a Branch Accessibility Footnotes 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 18 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 10.99% to 21.99% variable APR for Cash Rewards Mastercard as of 12/01/2021 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. 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. Insured by NCUA Equal Housing Opportunity NMLS# 407552 Privacy Site Map © 2021 Virginia Credit Union