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World Mastercard®

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VCU World Mastercard

Unlock new possibilities with your Vantage World Mastercard

Thank you for choosing our World Mastercard. With your new card, you'll earn maximum reward points for purchases—redeemable for merchandise, travel, or cash!

You’ll also experience premium benefits and savings on ridesharing, online shopping, and more—along with no annual fee. 

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Log in to Vantage digital banking to see your current spending power.

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Activate your card and add it to your digital wallet for greater convenience

World Mastercard  
Features and Benefits

Earn rewards on everyday spending!

Set your World Mastercard as your preferred payment method for all your online subscriptions. Easily add your card to your digital wallet right from digital banking.

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Your finances at your fingertips.

Manage your accounts and cards, get alerts, and set savings goals—all from your mobile device or desktop.

Need help getting set up in Vantage digital banking? Give us a call at 314.298.0055 or 800.522.6009.
Get Started

What your World Mastercard comes with:

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Rewards for everyday spending

Earn 1.5 points for every dollar spent and triple reward points on groceries and dining!^

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Anywhere access and alerts

Manage your card and set up alerts in digital banking, and add your card to your digital wallet.

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Convenient card payments

Set up automatic payments so you never miss a bill or recurring expense.

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Security and confidence

Whether you’re paying via chip or a contactless tap, you’ll have peace of mind.

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Fraud protection

Mastercard Zero Liability Protection offers 100% fraud protection, with no liability and at no cost to you.*

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Mastercard benefits

Enjoy Mastercard ID Theft Protection™ for monitoring and resolution of suspicious activity and global emergency services anywhere in any language.†

^Bonus reward points are earned independently on both dining and grocery purchases of up to $4,000 for World cardholders between February 15, 2026 and December 31, 2026. 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 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.
*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.

World Mastercard® FAQs

How can I transfer a balance to my World Mastercard?
Access your credit card in digital banking and in the Card Services section, select Balance Transfer.
Can I view/manage my card on my mobile device?
Yes. Click here to access your account or download our app from the App Store or Google Play store.
What benefits come with my World Mastercard?

No annual fee, balance transfer fees, or cash advance fees^. Additional benefits include MasterRental®, Mastercard ID Theft Protection and many more. For a full list of all benefits please refer to the Guide to Benefits received with your card. 

^Balance transfers and cash advances begin to accrue finance charges from the date it is posted to your account. For additional information about rates and fees associated with VCU credit cards, visit vcu.com/borrow/credit-cards.
Can I add my card to a digital wallet?
Yes, you can add your card to Apple Pay or Google Wallet using our app. You can also manually add your card to Samsung Pay. 
Am I liable for any unauthorized charges?

Mastercard® Zero Liability Protection offers 100% fraud protection.* If you discover an unauthorized charge, please reach out to us at 866.820.3944.

*Certain terms, conditions and exclusions apply. Refer to your Guide to Benefits for details on each program or call 1-800-MASTERCARD.
Does my card earn reward points?
Yes! Our World Mastercard earns 1.5 points for every $1 spent.

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Third-party trademarks are the property of their respective owners.
Mastercard, World Mastercard, MasterRental, ID Theft Protection and the circles design are trademarks of Mastercard International Incorporated.
©2026 Vantage Credit Union, All rights reserved.

Go to vcu.com