Choose The Right Card For You

It’s your choice. Our Platinum credit card offers the lowest rate – as low as 8.95%. Perfect when you want the most affordable monthly payment when financing bigger-ticket items.

Our Platinum Rewards card rates start as low as 9.95%. With every purchase made with your VCCU Platinum Rewards card, you’ll earn 1 point for every dollar spent. Earned points are redeemable for merchandise, airfare, vacation packages and more.

VCCU Rewards

We are excited to announce we have upgraded our Credit Card Rewards program and added convenient access by integrating it onto Online Banking. Now you can enjoy browsing Rewards right alongside managing your other accounts.

How to claim your Rewards:

  1. Login to Online Banking
  2. Navigate to the bottom of your Accounts page
  3. Under 'VCCU Rewards' click 'Get Details or Redeem'
  4. Enjoy browsing new and improved credit card rewards options

Benefits of MasterCard

Whichever card you choose, it’s loaded with perks: No annual fee, a competitive rate, no finance charges for balances paid off within 25 days of statement closing date.

In addition, our cards come with the following benefits plus much more:

  • Apple Pay, Android Pay and Samsung Pay
  • EMV chip technology
  • Purchase protection
  • Global travel assistance and concierge services
  • Rental car and personal coverage
  • Identity Theft Resolution Services

View the complete Guide to Benefits for more details.

Greater Security

With EMV chip technology, common methods of stealing card data is thwarted. Unlike magnetic-strip cards, chip cards do not store any information. Instead, they generate a one-time, unique authorization code for each transaction. This makes our new cards virtually impossible to duplicate.

Worldwide acceptance

Chip cards, also known as EMV cards, are becoming the standard around the world. In Europe, 84% of cards are chip cards, and are used in 97% of all card transactions.*


Don't wait Apply online today and start enjoying the convenience of a card that’s honored at millions of locations worldwide.

If you have any questions, visit our MasterCard FAQ page or please call us at 805.477.4000. 

MasterCard SecureCode

Get world-class security on the web! One of the great things about shopping online is that you have access to a whole world of shopping possibilities without ever leaving the comfort of your home! Now when you shop online, you can feel even more at ease with the added online security of MasterCard® SecureCode™. This new service is designed to enhance your existing Ventura County Credit Union MasterCard account. It’s a private code that protects you against unauthorized use of your card when you shop online at participating merchants.

Just like using your PIN at the ATM, all you do is enter your private SecureCode™ during checkout at participating online merchants when prompted. Once your identity is confirmed, your purchase is complete!

To make sure that your online purchases are protected by SecureCode™ when using your VCCU MasterCard, enroll online today.


Credit Cards at least a year old and in good standing may be eligible for Skip-A-Pay. Restrictions and qualifications may apply. Credit Cards are eligible for one free skip per year. To see if you are eligible or to skip a payment call 805.477.4000.

Credit Card Balance Transfers

You can take control of your credit card debt and save money too. Transfer your high rate card balances to your VCCU Credit Card. Print and complete a Credit Card Balance Transfer Request then return it by mail or fax or bring it to any VCCU office.

Credit Card Checks

These are perfect for life's little emergencies, like when someone doesn't accept credit cards and you don't have any cash. If you have a VCCU Credit Card and an available line of credit, you've got an instant loan. Call 805.477.4000 to get your supply of these checks today.

To report a lost or stolen VCCU Credit Card, call 805.477.4000. 

Important Credit Card Disclosures

The following disclosure represents important details concerning your Credit Card. The information about cost of the Card are accurate as of the effective date shown below. You can call us at 805.477.4000 or write to us at: Ventura County Credit Union, 2575 Vista Del Mar Drive, Suite 100, Ventura, CA 93001 to inquire if any changes have occurred since the effective date.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for purchases

8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
APR when you open your account, based on your creditworthiness.
The rate will vary with the market based on Prime Rate.

APR for Cash Advances 8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
The rate will vary with the market based on Prime Rate.
APR for Balance Transfers          8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
The rate will vary with the market based on Prime Rate.
Paying interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For credit card tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using credit, visit the government's Consumer Finance web site.


Set up and maintenance fees

Annual fee None
Account set-up/Issuance/Application fee None
Program fee None
Participation fee None
Account maintenance fee on closed accounts None
PIN replacement fee None
Card replacement fee $5 per card
Transaction fees
Cash advance transaction fee


Balance transfer fee None
Foreign transaction fee 1% of each foreign transaction,regardless of whether the transaction is in U.S. dollars
Penalty fees

Late Payment fee

If your payment is 5 or more days past due, you will be charged 5.00% of the payment due - $7 maximum

Over credit-limit fee


Returned payment fee

$15 if check deposited and returned from a 3rd party; $25 if check deposited and returned from member's account at another financial institution.

How we calculate your balance We use a method called "Average daily balance (including new purchases)."
Billing rights Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Effective Date This information about the costs of the cards described in this disclosure is accurate as of AUGUST 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
  • Equal Housing Lender
  • NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.