Excite Credit Union Visa Cash Rewards
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| Purchase APR (Variable APR) | 9.90 - 19.24 |
| Balance Transfer APR (Variable APR) | 11.90 - 21.24 |
| Credit Score Range | 750 - 850 |
| Annual Fee | N/A |
Excite Credit Union Visa Cash Rewards Review
This is a cashback card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Cash Rewards is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. Excite Credit Union Visa Cash Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%.
- 4% Balance transfer fee. Excite Credit Union Visa Cash Rewards charges a fee of 4% on balance transfers, if you transfer the balance within 25 days of opening the account. For example, a balance of $1,000 could cost $40 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.
Pros & Cons of Excite Credit Union Visa Cash Rewards
| The Good | The Bad |
|---|---|
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Excite Credit Union Visa Cash Rewards FAQ
Does Excite Credit Union Visa Cash Rewards have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Excite Credit Union Visa Cash Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Excite Credit Union Visa Cash Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Excite Credit Union Visa Cash Rewards?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Excite Credit Union Visa Cash Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%. The card has a variable balance transfer APR that ranges from 11.90% up to 21.24%. It also has a variable cash advance APR that ranges from 11.90% up to 21.24%. Note that late payments are subject to an APR of 17.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Excite Credit Union Visa Cash Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee Intro Period | 25 days |
| Balance Transfer Introductory APR | 0 |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 11.90 - 21.24 |
| Balance Transfer Fee % | 4 |
Does Excite Credit Union Visa Cash Rewards have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0 |
| Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Excite Credit Union Visa Cash Rewards?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $25 |
Does Excite Credit Union Visa Cash Rewards have a foreign transaction fee?
Excite Credit Union Visa Cash Rewards charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Excite Credit Union Visa Cash Rewards?
The Excite Credit Union Visa Cash Rewards customer service number is (800) 232-8669.
What is the support contact email for Excite Credit Union Visa Cash Rewards?
The support contact email for Excite Credit Union Visa Cash Rewards is service@excitecu.org.
What is the Excite Credit Union Visa Cash Rewards login page?
You can access the Excite Credit Union Visa Cash Rewards login page here.
How do people rate the customer service and user experience of Excite Credit Union Visa Cash Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Excite Credit Union Visa Cash Rewards report your account activity to credit bureaus?
Yes, Excite Credit Union Visa Cash Rewards reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Excite Credit Union Visa Cash Rewards
- Visit the Excite Credit Union Visa Cash Rewards website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
265 Curtner Ave.
San Jose,, CA 95125 USA - (800) 232-8669
- Visit Site
- Email Support
Other Services by Excite Credit Union
Availability
Feature Breakdown
| Introductory Rate | 0 |
| Purchase Intro APR Period (Variable APR) | 12 months |
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