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Mastercard4/4 on file
✓ Annual fee checked
Virginia Credit Union · Mastercard

Flex Rewards Mastercard

No Annual FeeWelcome Bonus

The Flex Rewards Mastercard is a Mastercard from Virginia Credit Union with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked vacu.org
Top earn rate2xon DiningChecked vacu.org
Welcome offer20,000 ptsChecked vacu.org
Apply on Virginia Credit UnionCompare this card
Opens Virginia Credit Union’s site

Credit union with branches in: Virginia (39). Where it has branches is not a rule on who may apply.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Flex Rewards Mastercard, exactly as recorded.

Annual fee
$0Checked vacu.org
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

Earn 20,000 in bonus points when you spend $3,000 within the first 90 days. That's equal to $200 in gift cards!

Checked vacu.org
Points20,000Checked vacu.org
Min. spend$3,000within 90 daysChecked vacu.org
Rewards

What it earns

Published category multipliers for the Flex Rewards Mastercard.

CategoryEarn rateCap
Dining2xNo cap on file
Entertainment2xNo cap on file
Travel2xNo cap on file
Other1xNo cap on file
Checked vacu.org
Next step

Ready to apply for the Flex Rewards Mastercard?

You'll finish the application on Virginia Credit Union's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Virginia Credit Union’s site
Questions

Questions about the Flex Rewards Mastercard

How much is the Flex Rewards Mastercard annual fee?

The Flex Rewards Mastercard has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Flex Rewards Mastercard earn?

The Flex Rewards Mastercard earns 2x on dining, plus published rates on 3 other categories. The full table is on this page.

What network is the Flex Rewards Mastercard on?

The Flex Rewards Mastercard runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Flex Rewards Mastercard available in United States?

Yes — the Flex Rewards Mastercard is issued by Virginia Credit Union and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Flex Rewards Mastercard figures last checked?

We checked its annual fee in September 2026, its earn rates in September 2026 and its welcome offer in September 2026, each against a published document. We could not verify, so we do not print: foreign transaction fee and purchase APR. Check them with Virginia Credit Union. Terms can change without notice, so confirm the current details with Virginia Credit Union before you apply.