CASH REWARDSExcite Credit Union · state credit union, CA · NCUA 68441
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Purchase APR
Balance transfer
—
Cash advance APR
—
Foreign fee
—
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 13.65%–22.99%EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “13.65% to 22.99% APR* on purchases”EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | There is no annual fee, but there are cash advance and balance transfer fees.EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “There is no annual fee, but there are cash advance and balance transfer fees.”EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 4% of the amount, Yes, you can. There is a cash advance fee, 4% of the amount of the advance.EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Yes, you can. There is a cash advance fee, 4% of the amount of the advance.”EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Opening conditions | Yes, you’ll need to be a Member to apply for the card, but joining is easy! We’d love to have you part of the Excite community. You can join and apply for your card EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Yes, you’ll need to be a Member to apply for the card, but joining is easy! We’d love to have you part of the Excite community. You can join and apply for your card”EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Regular | 13.65% to 22.99% APR* on purchases EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “13.65% to 22.99% APR* on purchases”EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. We give you one $1.50 for every $100 you spend or 1.5% of all net purchases. We pay rewards out monthly, with an opportunity to pocket up to $1,500 per year. EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “We give you one $1.50 for every $100 you spend or 1.5% of all net purchases. We pay rewards out monthly, with an opportunity to pocket up to $1,500 per year.”EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash signup bonus | $150 cash award. After $1,500 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. • $150 bonus after $1,500 purchase activity within 90 daysEXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “• $150 bonus after $1,500 purchase activity within 90 days”EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |