Credit Cards
World Mastercard®—Experience the world as a VIP
Transform ordinary into Priceless® with access to share-worthy experiences and offers that free up time and money. Make Vantage World Mastercard your go-to card and earn rewards for everyday spending good toward travel, merchandise or CASH BACK! Set up recurring payments for utilities and other bills to earn even faster.
Everyday Value
Get exclusive offers on ridesharing, food delivery, online shopping, and more so you can make time for what really matters. Your World Mastercard is the key to savings from DoorDash, Lyft, and ShopRunner.
Travel In Style
Enjoy premium benefits and savings on hotels, car rentals, and flight bookings. Whether you want to check-in early or need a price matched, dedicated Lifestyle Managers are available 24/7/365 to ensure your trip is worry-free.
World Mastercard Earns
1.5 points for every dollar spent on net purchases*
- Earn Triple Reward Points on groceries and dining!**
- Rate as low as 15.74% APR†
Effective: October 1, 2023
Platinum Rewards Mastercard®—Every day matters
Use your Platinum Rewards Mastercard credit card for everyday purchases - at stores, online and even recurring payments. Gain the freedom to support the lifestyle you choose from a local credit union you know and trust!
Earn Rewards on Everyday Spending
When you pay with your Vantage Platinum Rewards Mastercard, you’ll earn reward points good toward travel, merchandise, and even CASH BACK! Keep it at the top of your wallet and when paying online to earn rewards faster.
Platinum Rewards Mastercard Earns
1 point for every dollar spent on net purchases*
- Earn Double Reward Points on groceries and dining!**
- Rate as low as 15.24% APR†
Effective: October 1, 2023
Platinum Mastercard®—Low rate, great benefits
Access the benefits that come from using Mastercard for your everyday spending. Keep things simple and convenient with our Platinum Mastercard. The high-quality card you deserve with the lowest rate available for those who aren’t interested in rewards.
What if I have no credit?
For members trying to establish their credit worthiness, the Vantage Platinum Secured Mastercard provides the same benefits as our Platinum Mastercard with a credit line secured by a matching deposit in a Vantage savings account.
Rate as low as 13.49% APR†
Effective: October 1, 2023
Looking for a more robust credit card option?
Our Platinum Rewards Mastercard takes you to the next level with rewards.
Our World Mastercard offers top-of-the-line benefits for everyday purchases and travel. Plus, even more reward points that can be redeemed for cash.
Boat Financing
Make waves whether your headed out to tube, sail or hit the honey hole with a boat loan from Vantage. We can also finance your trailer.
Look forward to smooth sailing with:
- Competitive rates
- Flexible terms
- No penalty for early payoff
- Simply interest, calculated only on the outstanding principal
New and Used Boat Loan Rates as low as X.XX% APR*
Up to 115% MSRP or JD Power Retail Value
View loan rate sheet.
Apply for your boat loan today!
Powersports Financing
Off-road or on the water, your’ll be ready for action when you finance through Vantage. Loans available for your jet ski, UTV, ATV, or trailer.
Enjoy the ride with:
- Competitive rates
- Flexible terms
- No penalty for early payoff
- Simply interest, calculated only on the outstanding principal
Apply for pre-approval or refinance your ‘pay where you buy’ loan with us.
New and Used Recreation Loan Rates as low as X.XX% APR*
Up to 115% MSRP or JD Power Retail Value
View loan rate sheet.
Apply for your loan today!
Get ready to reward yourself! Earn points for everyday purchases and redeem them for travel, merchandise or cash!
Log in to digital banking to access CURewards® today.
Tap & Go! With a contactless card, your purchases are fast and secure.
1. LOOK
Find the contactless symbol anywhere you shop.
2. TAP
Tap your card against the terminal when prompted.
3. GO
Your payment is processed in seconds.
Comparison Chart
Find the credit card that fits your lifestyle! Compare our credit card benefits.
| World | Platinum Rewards | Platinum | |
|---|---|---|---|
| Reward Points | 1.5 | 1 | 0 |
| No Annual Fee |  | | |
| No Balance Transfer Fee | | | |
| No Cash Advance Fee | | | |
| No Over Limit Fee | | | |
| Peace of Mind Services (see below) | | | |
| Mastercard Airport Concierge® | 15% off | 15% off | 15% off |
| Priceless® Surprises | Exclusive offers | Standard offers | Standard offers |
| MasterRental® Coverage | 31 days | 15 days | 15 days |
| Exclusive Everyday Savings | | ||
| Mastercard Travel & Lifestyle Services | |
Credit Card Alerts
Sign up through digital banking to receive an email or text when there’s an international or online purchase, or purchases over a specific amount on your credit card. See other card controls when you log in!
Mastercard Zero Liability Protection
Whether you pay in-store, over the phone, or online, you're not responsible in the event someone makes unauthorized purchases with your card.^
Learn more
Mastercard ID Theft Protection™
Monitor your credit file for fraud, receive alert notifications about suspicious activity, and get assistance from a resolution specialist.^
Activate now
Global Emergency Services
Get emergency assistance virtually anytime, anywhere and in any language. Report a lost or stolen card, get an emergency replacement, and even emergency cash.
Emergency numbers
Calculators
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Increase Your Monthly Payment
*Balance transfer transactions, in addition to finance charges, fees, cash advances, convenience checks, foreign transactions charges, or insurance charges posted to your account DO NOT qualify toward points in the CURewards Points Program. Account disclosures will be provided with receipt of credit card.
**Bonus reward points are earned independently on both dining and grocery purchases of up to $3,000 for Platinum Rewards cardholders and up to $4,000 for World cardholders between January 1, 2024 and December 31, 2024. VCU does not have the ability to control how a merchant chooses to classify their business; therefore, we reserve the right to determine which transactions qualify for the bonus points. VCU Platinum Rewards cardholders will earn 2 points for every dollar spent on net dining purchases and 2 points for every dollar spent on net grocery purchases. VCU World cardholders will earn 4.5 points for every dollar spent on net dining purchases and 4.5 points for every dollar spent on net grocery purchases. Reward points show on your account within two billing cycles, and may be redeemed beginning with a minimum of 2,500 for World and 5,000 for Platinum Rewards.
†APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit profile. See our Credit Card Agreement and Disclosure Statement.
^Certain terms, conditions and exclusions apply. Refer to your Guide to Benefits for details on each program or call 1-800-MASTERCARD. Cardholders need to register for ID Theft Protection.
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