Last Updated: 07/28/2025
Virginia CU Cash Rewards Mastercard®
Unaffiliated
in Credit Cards from Virginia Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.74% - 25.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.74% - 25.74%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
$0
Virginia CU Cash Rewards Mastercard® Review
This is a cashback credit card issued by Virginia Credit Union. If you're wondering whether Virginia CU Cash Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- APRs: Virginia CU Cash Rewards Mastercard® has a variable regular 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 you have a fair credit score or better.
Pros & Cons of virginia credit union cash card
| The Good | The Bad |
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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.
| Description |
Does virginia credit union cash card have a signup bonus?
This card doesn't offer a cash signup bonus.Does virginia credit union cash card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the virginia credit union cash card benefits?
Virginia CU Cash Rewards Mastercard® 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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%.
Does virginia credit union cash card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does virginia credit union cash card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of 18 months.
What are the fees for virginia credit union cash card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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.
What is the customer service phone number for virginia credit union cash card?
The customer service number for virginia credit union cash card is (804) 323-6800.
What is the support contact email for virginia credit union cash card?
The support contact email for virginia credit union cash card is memsvc@vacu.org.
How do people rate the customer service and user experience of virginia credit union cash card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Virginia CU Cash Rewards Mastercard® report your account activity to credit bureaus?
Yes, Virginia CU Cash Rewards Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Virginia Credit Union perform a hard credit pull?
Yes, virginia credit union cash card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for virginia credit union cash card
- Visit the website of virginia credit union cash card.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed
Other Services by Virginia Credit Union
Other Credit Cards from Virginia Credit Union
Rating not yet determined
Purchase APR
12.74% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
12.74% - 23.74%
Disclaimer popup with additional information
Credit Score Range
550 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
16.74% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74% - 27.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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