Last Updated: 04/18/2025
Virginia CU Essential Mastercard®
Unaffiliated
in Credit Cards from Virginia Credit Union
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
12.74% - 23.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.74% - 23.74%(Verified 06/21/2024)
Credit Score Range
550 - 850
Annual Fee
N/A
Virginia CU Essential Mastercard® Review
This is a card issued by Virginia Credit Union. If you're wondering whether Virginia CU Essential Mastercard® is the right card for you, read on.
Key Takeaways
- APRs: Virginia CU Essential Mastercard® has a variable regular purchase APR that ranges from 12.74% up to 23.74%.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of virginia credit union essential
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virginia credit union essential FAQ
Does virginia credit union essential have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- 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 essential?
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 Essential Mastercard® has a variable purchase APR that ranges from 12.74% up to 23.74%. The card has a variable balance transfer APR that ranges from 12.74% up to 23.74%. It also has a variable cash advance APR that ranges from 12.74% up to 23.74%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does virginia credit union essential 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 essential have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for virginia credit union essential?
N/A.
What is the customer service phone number for virginia credit union essential?
The customer service number for virginia credit union essential is (804) 323-6800.
What is the support contact email for virginia credit union essential?
The support contact email for virginia credit union essential is memsvc@vacu.org.
What is the login page for virginia credit union essential?
You can access the login page of virginia credit union essential here.
How do people rate the customer service and user experience of virginia credit union essential?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Virginia CU Essential Mastercard® report your account activity to credit bureaus?
Yes, Virginia CU Essential 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 essential 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 essential
- Visit the website of virginia credit union essential.
- 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.
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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