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Personalbreadcrumb separatorLoansbreadcrumb separatorPersonal Visa Credit Cards
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Personal Visa® Credit Cards

Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you!

Visa® Bonus Rewards Card
  • Get 25% more on all points earned every month, automatically (learn more)
  • No caps or limits on points earned
  • $25 cash back with your first purchase
Visa® Bonus Rewards PLUS Card
  • Get 50% more on all points earned every month, automatically (learn more)
  • No caps or limits on points earned
  • $50 cash back with your first purchase
  • Low annual fee
Visa® Secured Card
  • Improve your credit
  • Low annual fee
  • Flexible credit lines based on a security deposit ranging from $300 to $5,000
Visa® Platinum Card
  • Our best introductory APR offer
  • Save on interest and pay down your other credit card balances faster
  • Enjoy the everyday convenience of a non-rewards card
Visa® College Rewards
  • For college students
  • Earn 1 reward point for every $1 in net purchases
  • Receive 1,000 bonus rewards points with your first purchase
  • Low rates and manageable credit lines

Get Started Today

To get your VCB Personal Visa card, click the Apply Now button below to get started.

Apply Now

Need Account Support?

Cardmember Service

For account questions or to report a lost or stolen card:
24-Hour Cardmember Service: (800) 558-3424
To reach Cardmember Service via email, login to your account and click on Messages.

Payments can be made over the phone by calling customer service, through myaccountaccess.com, by sending it to the address listed below, through setup of auto payment, or in the branches.

Cardmember Service
P.O. Box 790408
St. Louis, MO 36179-0408

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

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Headquarters: Richmond - Bayberry Ct.
1801 Bayberry Ct
Richmond VA 23226
37.6077891
-77.53196129999998
(804) 325-3775
More Info

Lobby Hours

Monday-Friday 9:00 AM - 5:00 PM

Burgess
15104 Northumberland Hwy
Burgess VA 22432
37.88345959999999
-76.34526270000003
(804) 453-4754
More Info

Lobby Hours

Monday-Friday 9:00 AM - 2:00 PM

Drive-Thru Hours

Monday-Friday 8:30 AM - 5:00 PM

Saturday 9:00 AM - 12:00 PM

Callao
18 Sandy Street
Callao VA 22435
37.970474
-76.55982599999999
(804) 529-6161
More Info

Lobby Hours

Monday-Friday 9:00 AM - 2:00 PM

Drive-Thru Hours

Monday-Friday 9:00 AM - 5:00 PM

Chester
4600 W Hundred Road
Chester VA 23831
37.3534691
-77.45136769999999
(804) 748-8197
More Info

Branch Hours

Monday - Thursday 9:00 AM - 5:00 PM

Friday 9:00 AM - 6:00 PM

Colonial Beach
680 McKinney Blvd
Colonial Beach VA 22443
38.2529371
-76.9774069
(804) 224-0033
More Info

Lobby Hours

By appointment only

Drive-Thru Hours

Monday - Thursday 10:00 AM - 2:00 PM

Friday 12:00 PM - 4:00 pm

Colonial Heights
3209 Boulevard
Colonial Heights VA 23834
37.2722735
-77.41155329999998
(804) 526-1553
More Info

Branch Hours

Monday - Thursday 9:00 AM - 5:00 PM

Friday 9:00 AM - 6:00 PM

Courthouse Road
1118 Courthouse Road
Richmond VA 23236
37.4746914
-77.59737860000001
(804) 594-2602
More Info

Branch Hours

Monday - Thursday 9:00 AM - 5:00 PM

Friday 9:00 AM - 6:00 PM

Hartfield
10880 General Puller Hwy
Hartfield VA 23071
37.5523053
-76.44858979999998
(804) 776-1050
More Info

Lobby Hours

Monday-Friday 9:00 AM - 5:00 PM

Kilmarnock
100 S Main Street
Kilmarnock VA 22482
37.7090792
-76.37926040000002
(804) 435-1140
More Info

Lobby Hours

Monday-Friday 9:00 AM - 5:00 PM

Drive-Thru Hours

Monday-Friday 8:00 AM - 5:00 PM

Saturday 9:00 AM - 12:00 PM

Montross
15648 Kings Hwy
Montross VA 22520
38.0930533
-76.829182
(804) 493-8071
More Info

Lobby Hours

Monday-Friday 9:00 AM - 2:00 PM

Drive-Thru Hours

Monday-Friday 9:00 AM - 5:00 PM

Saturday 9:00 AM - 12:00 PM

Patterson
5711 Patterson Ave
Richmond VA 23226
37.578936
-77.51418799999999
(804) 774-7714
More Info

Lobby Hours

Monday-Friday 9:00 AM - 5:00 PM

Drive-Thru Hours

Monday-Friday 9:00 AM - 5:00 PM

Petersburg
1965 Wakefield Street
Petersburg VA 23805
37.2023977
-77.38445949999999
(804) 732-2350
More Info

Branch Hours

Monday-Thursday 9:00 AM - 5:00 PM

Friday 9:00 AM - 6:00 PM

Robious
11450 Robious Road
N Chesterfield VA 23235
37.5214548
-77.60816139999997
(804) 774-7941
More Info

Lobby Hours

Monday-Friday 9:00 AM - 5:00 PM

Drive-Thru Hours

Monday-Friday 9:00 AM - 5:00 PM

Suffolk
1703 A North Main Street
Suffolk VA 23434
36.752857
-76.584677
(757) 925-1466
More Info

Branch Hours

Monday - Thursday 9:00 AM - 5:00 PM

Friday 9:00 AM - 6:00 PM

Tuckahoe
900 N Parham Rd
Richmond VA 23229
37.593106
-77.56740000000002
(804) 285-4540
More Info

Branch Hours

Monday - Thursday 9:00 AM - 5:00 PM

Friday 9:00 AM - 6:00 PM

Virginia Beach - Branch
300 32nd Street
Suite 104
Virginia Beach VA 23451
36.859948
-75.979834
(757) 414-9820
More Info

Branch Hours

Monday - Friday 9:00 AM - 5:00 PM

Virginia Beach - Loan Production Office
300 32nd Street
Suite 101
Virginia Beach VA 23451
36.859948
-75.979834
(757) 414-9801
More Info

Office Hours

Monday - Friday 9:00 AM - 5:00 PM

Warsaw
4935 Richmond Road
Warsaw VA 22572
37.9607374
-76.77329209999999
(804) 333-3691
More Info

Lobby Hours

Monday-Friday 9:00 AM - 2:00 PM

Drive-Thru Hours

Monday-Friday 8:30 AM - 5:00 PM

Saturday 9:00 AM - 12:00 PM

White Stone
708 Rappahannock Drive
White Stone VA 22578
37.6473895
-76.39243520000002
(804) 435-0593
More Info

Lobby Hours

Monday-Friday 9:00 AM - 2:00 PM

Drive-Thru Hours

Monday-Friday 8:30 AM - 5:00 PM