Virginia CU Cash Rewards Mastercard®

Virginia CU Cash Rewards Mastercard® Review

This is a cashback card issued by Virginia Credit Union. If you're wondering whether virginia credit union cash card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Virginia CU Cash Rewards Mastercard® has a variable purchase APR that ranges from 14.74% up to 25.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of virginia credit union cash card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on their purchases. Virginia CU Cash Rewards Mastercard® reports to multiple credit bureaus.	Does not offer a signup bonus.

virginia credit union cash card FAQ

Does virginia credit union cash card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

virginia credit union cash card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)

What are the virginia credit union cash card benefits?

It provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for virginia credit union cash card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Virginia CU Cash Rewards Mastercard® has a variable purchase APR that ranges from 14.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 25.74%. It also has a variable cash advance APR that ranges from 14.74% up to 25.74%.

What are the fees for virginia credit union cash card?

The following fees apply:

virginia credit union cash card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $25
Late Payment Fee	up to $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Virginia CU Cash Rewards Mastercard® report your account activity to credit bureaus?

Yes, Virginia CU Cash Rewards Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for virginia credit union cash card

• Visit the virginia credit union cash card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.