Virginia Credit Union
Cash Rewards is a great choice!
Tell us a little about yourself.
Address
Primary Phone Type
Total credit limit must be between $2,500 - $35,000
I authorize Virginia Credit Union (VACU) to check my credit and employment history and to answer questions others may ask about my credit record with VACU.
By checking the box, you are expressly consenting to receiving communications - including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system - from us and our affiliates. Your consent is not a condition for receiving any goods or services.

You can opt out at any time by contacting us at https://www.vacu.org/contact-us
0% APR Intro Rate
For qualified applicants, for 12 months on purchases and balance transfers made within the first 60 days after opening your card. After that, variable 15.240%-17.240% APR. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.
3-2-1
Earn cash back on every purchase: 3% on gas, 2% on groceries and restaurant purchases, and 1% on everything else.
  • No annual fee
  • No cash advance fee
  • No foreign transaction fee
Credit Card FAQs
How much cash can I get back with a Cash Rewards Mastercard?
With a Cash Rewards Mastercard, you’ll earn 3% on gas, 2% on groceries and at restaurants, and 1% on all other purchases.
How do I redeem cash rewards?
You can redeem your cash rewards as a statement credit or as a deposit to a VACU account using the Manage Cards feature in Online Banking and the Mobile Banking App.
What is a variable rate?
The APR is a variable rate based on the U.S. Prime Rate plus the applicable Margin. The Prime Rate is the highest rate published in the Wall Street Journal as of the first day of the calendar months March, June, September and December.
Can I manage a credit card with online banking?
Yes. You can manage your credit card—including Payments, On/Off, Travel Memos, and Rewards Redemption—with the Manage Cards feature in online banking and the mobile banking app.
Do credit cards at VACU give me access to my credit score?
Yes. With the “Your FICO Score” feature in our mobile banking app, you can track your credit score and see key factors affecting it.
View all FAQs