Credit Cards

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

Apply Online: Credit Cards View Rates: Credit Cards

Lower rates meet greater convenience.

Our 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.

Choose between a card with our lowest rate or one that earns you points you can redeem for merchandise, travel services, and more.

Platinum Rewards Mastercard

  • Earn one point for every dollar you spend
  • Earn rewards that include merchandise, airfare, vacation packages and more
  • Competitive interest rate and no annual fee
  • See our Mastercard Rewards FAQs to learn more

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 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 Counties and beyond
  • Rental car and personal insurance coverage
  • See full Guide to BenefitsPDF opens in a new window

VCCU is a full-service credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark, California.

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.