Account access will be impacted February 25.

As we work behind the scenes to make continued improvements, we will be performing system maintenance on Sunday, February 25 from 1:00 a.m. - 5:00 a.m. During this timeframe, digital banking will be unavailable. ATMs will remain accessible. Thank you for your understanding.

Be Aware of Scammers

ATTENTION: Please be aware of a potential threat from scammers claiming to be from the Vantage Fraud Department. The scammers may impersonate Vantage via phone call, text message or pop-ups on your device. DO NOT give out any account information, provide remote access to your device or click on links in these messages. If you have questions regarding the validity of a message you’ve received, please contact us directly at 314.298.0055.

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 Credit Card

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

Apply for my World Mastercard

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 Credit Card

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

Apply for my Platinum Rewards Mastercard

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 bad credit?

For members trying to establish or reestablish 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.

 

Platinum Mastercard Credit Card

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.

Apply for my Platinum Mastercard

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

1. LOOK

Find the contactless symbol anywhere you shop.

2. TAP

2. TAP

Tap your card against the terminal when prompted.

3. GO

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 Points1.510
No Annual FeeTrueTrueTrue
No Balance Transfer FeeTrueTrueTrue
No Cash Advance FeeTrueTrueTrue
No Over Limit FeeTrueTrueTrue
Peace of Mind Services (see below)TrueTrueTrue
Mastercard Airport Concierge®15% off15% off15% off
Priceless® SurprisesExclusive offersStandard offersStandard offers
MasterRental® Coverage31 days15 days15 days
Exclusive Everyday SavingsTrue  
Mastercard Travel & Lifestyle ServicesTrue  

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!

girl reading credit card alert
Mastercard Zero Liability Protection

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™

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

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

Keep your credit card local. Get started with the card that fits your lifestyle!

Credit cards aren’t the only thing you can keep local!

Vantage is here to help you achieve financial success in all areas of your life.

Calculators

*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.