MasterCard Benefits

Your money belongs in your account, not in our pockets. In addition to competitive rates, VCCU MasterCard credit cards have no annual fee and we do not charge interest for balances paid off within 25 days of the statement closing date.

Plus, your VCCU MasterCard is accepted worldwide at millions of locations and gives you access to amazing benefits:

  • Apple Pay, Android Pay and Samsung Pay
  • Strong security
  • 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.

Young women credit card in sunset
Your Choice of Platinum or Platinum Rewards

What matters most to you in a credit card? Low rates? Great rewards? At VCCU, we’ll help you find the card that’s right for you.

  • Platinum: Our Platinum card offers a lower rate — one percent lower than the rewards card. It’s perfect if you’re financing big-ticket items and want the most affordable monthly payments.
  • Platinum Rewards: With a VCCU Platinum Rewards card, you’ll earn points (one point for every dollar you spend) that can be redeemed for merchandise, airfare, vacation packages and more. 

Apply online today, or visit our MasterCard FAQ page for more information.


View and Claim Credit Card Rewards

To view and claim your VCCU MasterCard rewards.

  1. Log in to Online Banking
  2. Navigate to the bottom of your Accounts page
  3. Under "VCCU Rewards" click "Get Details or Redeem"
  4. Browse and select from hundreds of rewards options

Donate your Reward Points for a Cause!
From the rewards options page, select "Charities." Choose your favorite cause from a selection of local non-profits and make your donation. Doesn't that feel good?


VCCU Credit Card Services

When it comes to credit cards, convenience is key. Here are just a few of the ways a VCCU credit card can make your life easier:

  • Skip-A-Pay: Tight on cash this month? Eligible cardholders have the opportunity to skip one payment per year (some restrictions may apply).
  • Credit Card Balance Transfers: Transfer your high-rate card balances to your VCCU MasterCard to take advantage of VCCU’s low interest rates and cut down on your credit card debt. Get started now by completing our Credit Card Balance Transfer form.
  • Credit Card Checks: You know that feeling of panic you get when you’re in a place where credit cards aren’t accepted and you don’t have any cash? With a supply of VCCU credit card checks, you’ll never have to feel that again. If you have a VCCU credit card and an available line of credit, these checks act as instant cash.


Control Your Credit Card Debt

Want help managing your credit card debt? As a VCCU member, you have access to free financial education, resources and counseling through our partnership with BALANCE.

For more information on interest rates and fees, please read our Credit Card Disclosure information. To learn more about our credit card services, apply or report a lost or stolen card, call 805.477.4000.

  • 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.