Credit Cards at Virginia Credit Union
essential

Essential Mastercard®

Get the credit you need at our lowest everyday purchase rate with no annual fee. The Essential Mastercard keeps it simple.

Our lowest intro rate. Ever.

0%

APR applies for 12 months? on purchases and 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.

Great low rate.

Low rate

Save on every purchase and balance transfer with our lowest everyday rate.

Save on fees.

$0

No annual fee, no cash advance fee, and no foreign transaction fee.

Features of every Essential card:

  • No annual fee

    Enjoy all the benefits of Mastercard without an annual fee.

  • No cash advance fee

    Need cash? Pay no fees when you use your credit card to get it.

  • No foreign transaction fees

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

  • Digital wallet

    Conveniently pay and manage information with digital wallets.

  • Mastercard® benefits

    Feel supported 24/7 with Mastercard Global Service and credit monitoring to help keep your information safe.

  • Mastercard Zero Liability

    Zero Liability means you won’t be held liable if your card is used for purchases without your permission. Some conditions and exceptions apply.   

vcu cards

Show your VCU pride with the Black & Gold Mastercard®

Take your Ram pride wherever you go with the official card design of VCU fans. Pick from three options to deck out any one of our VACU credit cards with an exclusive VCU design. Plus, get the benefit of special VCU-related discounts added to your card!

Get a credit card to fit your everyday needs.

For our lowest purchase rate, you want the Essential Mastercard.