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  Excite Credit Union Visa Cash Rewards
Excite Credit Union Visa Cash Rewards Unaffiliated

Excite Credit Union Visa Cash Rewards

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Highlights
Purchase APR 9.90 - 19.24
Balance Transfer APR 11.90 - 21.24
Credit Score Range 750 - 850
Annual Fee N/A

Excite Credit Union Visa Cash Rewards Review

This is a credit 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. This review will provide you with with all the details you need to make a good choice.

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
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • Excite Credit Union Visa Cash Rewards reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee, if you transfer the balance within 25 days of opening the account.
  • Does not include many credit card benefits.
Excite Credit Union Visa Cash Rewards FAQ

Does Excite Credit Union Visa Cash Rewards have a cash back or rewards program?

No, it does not offer a rewards program.

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.

Excite Credit Union Visa Cash Rewards Balance Transfers
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?

Excite Credit Union Visa Cash Rewards Purchase Intro Offer
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:

Excite Credit Union Visa Cash Rewards Fees
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 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:

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.

View Excite Credit Union Visa Cash Rewards's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Excite Credit Union

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View all credit cards offered by Excite Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period 12 months
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 4
Foreign Currency Transaction Fee 3
Returned Payment Fee Up to 25
Late Fee Amount Starting at 10
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • Travel
  • Select Merchants
Cash Advance APR 11.90 - 21.24
Balance Computation We use a method called "average daily balance (including new purchases)."
Penalty APR 17.49
Purchase APR 9.90 - 19.24
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
Card Type
  • Rewards
  • Cashback
Card Network Visa

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