Mastercard Credit Cards

Easy to use online and in-store or with your mobile wallet.

Apply Online: Mastercard Credit Cards View Rates: Mastercard Credit Cards

Lower rates meet greater convenience.

Our credit cards offer ultimate spending power and a generous portion of perks.

Enjoy a Ventura County Credit Union Mastercard that offers a lower interest rate, saving you money on every purchase.

As a credit union member choose between a card with our lowest rate or one that earns you points you can redeem for merchandise, travel services, and more. 

Notice: Due to a worldwide chip shortage, our instant issue credit card stock is limited. 

Unless there is an urgent need, credit cards will be issued by mail. We apologize for the inconvenience and are working with our vendors to secure a replacement chip.

Platinum Rewards Mastercard 

  • Earn one (1) point for every dollar you spend on all other purchases
  • Earn rewards that include merchandise, airfare, vacation packages and more
  • Competitive interest rate and no annual fee
  • See our Mastercard Rewards Program here

Platinum Mastercard

  • Low rates that last far beyond any special introductory period
  • Ideal for financing big-ticket items or paying down high-interest debt
  • No annual fee

Secured Mastercard

  • An ideal way to build up or repair your credit
  • Card is secured by deposits in your VCCU savings account
  • Choose Platinum Secured or Platinum Rewards Secured

Additional Credit Card Benefits

  • Strong security to protect your finances and guard against ID theft
  • Easily link your VCCU Mastercard to your digital wallet - Apple Pay, Google Pay or Samsung Pay
  • Purchase protection provides compensation if purchased items are stolen or damaged
  • Global travel assistance and concierge services when traveling outside of Ventura and Santa Barbara, California Counties and beyond
  • Rental car and personal insurance coverage
  • See our full Guide to BenefitsPDF opens in a new window
To activate your credit card, log in to VCCU Online or Mobile Banking and select Activate Card from the menu options.

VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



I became a member right as I turned 18 years old. It was a family tradition to open up an account at VCCU and one tradition I am happy to pass down.

Jasmine R., Oxnard

*Annual Percentage Rate. View Credit Card Disclosures.