Virginia Credit Union
Flex 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 17.240%-17.990% APR. A 3% balance transfer fee will apply for transfers during the 60 day introductory period.
2x
Earn 2x points on travel, entertainment and dining, and 1x on all other purchases.
20,000
Earn 20,000 bonus points when you spend $3,000 within the first 90 days.
Credit Card FAQs
How do I earn Points on my Flex Rewards Mastercard?
With a Flex Rewards Mastercard, you’ll earn 2x points on travel, entertainment, and dining purchases and 1x on all other purchases. You can also earn 20,000 bonus points when you spend $3,000 in the first 90 days.
How do I redeem Flex Rewards points?
You can redeem your Flex Rewards points through our Manage Cards feature in online and mobile banking for gift cards, travel, merchandise and more.
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