John Miller, Credit Cards Moderator
@john_miller
You need a credit score of 640 or higher for a Virginia Credit Union credit card. That means people with at least fair credit have a shot at getting approved for a Virginia Credit Union card.
If your credit score is below the threshold needed for a credit card from Virginia Credit Union, it’s best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Virginia Credit Union Credit Score Requirements by Card
- Virginia Credit Union Flex Rewards Mastercard: 640+ (fair credit)
- Virginia Credit Union Essential Mastercard: 640+ (fair credit)
- Virginia Credit Union Cash Rewards Mastercard®: 750+ (Excellent credit)
You should also note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Virginia Credit Union credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
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