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Excite Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | 13.65%–22.99%EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | $0EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | 4% of the amount, Yes. You certainly 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 | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| 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 | Website |
| APR qualificationsPurchase · Regular | 13.65% to 22.99% APR* on purchases EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Signup bonuspoints award | 15,000 points. Spend $1,500 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. • Earn 15,000-point bonus after $1,500 purchase activity in first 90 daysEXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Travel and restaurantsNot disclosed | 3 points per $1. See source conditions for eligible purchases.EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Gas, grocery and streamingNot disclosed | 2 points per $1. See source conditions for eligible purchases.EXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsTravel and restaurants | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. 3 points per dollar on Travel & RestaurantsEXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsGas, grocery and streaming | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. 2 points per dollar on Gas, Grocery, and StreamingEXCITE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |