Last Updated: 07/28/2025
Virginia CU Flex Rewards Mastercard®
Unaffiliated
in Credit Cards from Virginia Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.74% - 27.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.74% - 27.74%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Virginia CU Flex Rewards Mastercard® Review
This is a travel card issued by Virginia Credit Union. If you're wondering whether Virginia CU Flex Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Virginia CU Flex Rewards Mastercard® has a variable regular purchase APR that ranges from 16.74% up to 27.74%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 60 days of opening the account.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
Pros & Cons of Virginia Rewards Mastercard
| The Good | The Bad |
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Virginia Rewards Mastercard FAQ
Does Virginia Rewards Mastercard have a cash back or rewards program?
Virginia Rewards Mastercard is a travel rewards card.
| Description |
Does Virginia Rewards Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Virginia Rewards Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Virginia Rewards Mastercard benefits?
Virginia CU Flex Rewards Mastercard® provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Virginia Rewards Mastercard?
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 Flex Rewards Mastercard® has a variable purchase APR that ranges from 16.74% up to 27.74%. The card has a variable balance transfer APR that ranges from 16.74% up to 27.74%. It also has a variable cash advance APR that ranges from 16.74% up to 27.74%.
Does Virginia Rewards Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.74% - 27.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 60 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Virginia Rewards Mastercard 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 Rewards Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 rewards card.
Does Virginia Rewards Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Virginia Rewards Mastercard?
The customer service number for Virginia Rewards Mastercard is (804) 323-6800.
What is the support contact email for Virginia Rewards Mastercard?
The support contact email for Virginia Rewards Mastercard is memsvc@vacu.org.
How do people rate the customer service and user experience of Virginia Rewards Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Virginia CU Flex Rewards Mastercard® report your account activity to credit bureaus?
Yes, Virginia CU Flex 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 Rewards Mastercard 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 Rewards Mastercard
- Visit the website of Virginia Rewards Mastercard.
- 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
14.74% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
14.74% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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
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Learn MoreSuperMoney Net Recommendation Score
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