Virginia Credit Union Credit Card Rates

How Virginia Credit Union’s credit card rates compare

Compared with banks and credit unions near Richmond, VA, where Virginia Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
Virginia Credit Union
12.49%APR
Up to
17.99% APR
VCU Black & Gold Mastercard
Lowest rate
Hopewell Chemical FCU
6.90%APR
Up to
16.99% APR
Hopewell Chemical FCU rates
2nd-lowest rate
FirePolice CU
7.90%APR
Up to
—
FirePolice CU rates

Compare credit card rates near you →

70

Credit card score

Higher than 27% of U.S. banks and credit unions

By rate

Purchase APRPurchase APR12.49%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Virginia Credit Union ranks

By credit card score, in each area where it has branches

And 1 more area →

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Cash Rewards Mastercard

No annual fee, cash advance fee, or foreign transaction fee. Variable APR based on Prime Rate. Introductory rate eligibility subject to creditworthiness. 3% balance transfer fee applies during the 60-day introductory period; promotional APR forfeited if payment is 90+ days past due.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	Introductory 0% APR applies for 12 months on purchases made within 60 days after account opening. If payment is ever 90 days or more past due, promotional APR is forfeited.
Ongoing	14.49%–17.99%	None	Standard variable purchase APR based on Prime Rate plus margin (margin range 7.74% to 18.74%). Rate varies based on creditworthiness. Final rate will not exceed 17.99%.

Sources (4)

All captured Oct 4, 2026

Essential Mastercard

No annual fee, cash advance fee, or foreign transaction fee. Variable APR based on Prime Rate plus margin. Introductory rate eligibility subject to creditworthiness. 3% balance transfer fee applies during the 60-day introductory period; promotional APR forfeited if payment is 90+ days past due.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	Introductory 0% APR applies for 12 months on purchases made within 60 days after account opening. If payment is ever 90 days or more past due, promotional APR is forfeited.
Ongoing	12.49%–17.99%	None	Standard variable purchase APR based on Prime Rate plus margin (margin range 5.74% to 16.74%). Rate varies based on creditworthiness. Final rate will not exceed 17.99%.

Sources (3)

All captured Oct 15, 2026

Flex Rewards Mastercard

No annual fee, cash advance fee, or foreign transaction fee. Variable APR based on Prime Rate. Introductory rate eligibility subject to creditworthiness. 3% balance transfer fee applies during the 60-day introductory period; promotional APR forfeited if payment is 90+ days past due.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	Introductory 0% APR applies for 12 months on purchases and balance transfers made within 60 days after account opening. A 3% balance transfer fee applies during the 60-day introductory period. If payment is ever 90 days or more past due, promotional APR is forfeited.
Ongoing	16.49%–17.99%	None	Standard variable purchase and balance transfer APR based on Prime Rate plus margin (margin range 9.74% to 20.74%). Rate varies based on creditworthiness. No balance transfer fee for non-introductory rates.

Sources (4)

All captured Sep 19, 2026

VCU Black & Gold Mastercard

VCU branded co-branded card offering Flex Rewards, Cash Rewards, or Essential Mastercard options with special VCU discounts. No annual fee, cash advance fee, or foreign transaction fee. Variable APR based on Prime Rate. 3% balance transfer fee during 60-day introductory period.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	Introductory 0% APR applies for 12 months on purchases and transfers made within 60 days after opening card. A 3% balance transfer fee applies for transfers during the 60-day introductory period. Variable APR applies thereafter.
Ongoing	16.49%–17.99%	None	Purchase rate for VCU Black & Gold Flex Rewards Mastercard option. Variable rate based on prime.
Ongoing	14.49%–17.99%	None	Purchase rate for VCU Black & Gold Cash Rewards Mastercard option. Variable rate based on prime.
Ongoing	12.49%–17.99%	None	Purchase rate for VCU Black & Gold Essential Mastercard option. Variable rate based on prime.

Sources (1)

vacu.org/banking/credit-cards/…lack-and-gold-mastercard · captured Sep 19, 2026

Who can join Virginia Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Open to anyone

Anyone unable to join through other paths can join through the American Consumer Council (ACC), with VACU handling enrollment and paying the lifetime membership fee.

Where you live or work

Individuals who live, work, worship, volunteer, or attend school in designated Virginia cities, counties, and towns are eligible for membership.

Employers and groups

Employees, retirees, or enrolled full-time/part-time students at Virginia Union University, Randolph-Macon College, Liberty University, or University of Richmond are eligible for membership.

Military, government and schools

Employees, retirees, or enrolled full-time/part-time students at any Virginia state-funded college or university are eligible for membership.
Employees and retirees of any Commonwealth of Virginia state agency/department or any county, city, town, or other political subdivision in Virginia are eligible for membership.

Family and household

Immediate family (parents, spouses, children, siblings, grandparents, grandchildren) and household members of eligible members qualify regardless of where they live.

Cost to join

Membership requires paying a $5 member share.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details