Virginia CU Flex Rewards Mastercard®
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| Purchase APR (Variable APR) |
16.74% - 27.74% (Verified 01/11/2023) |
| Balance Transfer APR (Variable APR) |
16.74% - 27.74% (Verified 01/11/2023) |
| Credit Score Range | N/A |
| Annual Fee | $0 |
Virginia CU Flex Rewards Mastercard® Review
This is a rewards card issued by Virginia Credit Union. If you're wondering whether Virginia Rewards Mastercard is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Virginia CU Flex Rewards Mastercard® has a variable 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 60 days of opening the account.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
Pros & Cons of Virginia Rewards Mastercard
| The Good | The Bad |
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Virginia Rewards Mastercard FAQ
Does Virginia Rewards Mastercard have a cash back or rewards program?
Virginia Rewards Mastercard is a travel rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | |
| Signup Bonus (Points/Miles) | 20000 |
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?
It 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 is 15% for all credit cards and 17% for accounts that carry a balance.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 Fee Intro Period | 60 days |
| Balance Transfer Introductory APR | 1.99% |
| Balance Transfer APR | 16.74% - 27.74% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
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 up to 18 months.
What are the fees for Virginia Rewards Mastercard?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction 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 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 Virginia Rewards Mastercard customer service number 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.
What is the Virginia Rewards Mastercard login page?
You can access the Virginia Rewards Mastercard login page here.
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 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 Rewards Mastercard
- Visit the Virginia Rewards Mastercard 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.
Contact
- Headquarters
-
7500 Boulder View Dr
Richmond, VA 23225 - (804) 323-6800
- Visit Site
- Email Support
Other Services by Virginia Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 1.99% |
| Purchase Intro APR Period (Variable APR) | 18 months |
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