Last Updated: 07/28/2025
Excite Credit Union Visa Cash Rewards
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in Credit Cards from Excite Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.90% - 19.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.90% - 21.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
750 - 850
Annual Fee
N/A
Excite Credit Union Visa Cash Rewards Review
This is a cashback 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 12 months.
- APRs: Excite Credit Union Visa Cash Rewards has a variable regular purchase APR that ranges from 9.90% up to 19.24%.
- A 4% balance transfer fee. Excite Credit Union Visa Cash Rewards charges a fee of 4% on balance transfers. 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 up to 3% every time you make a transaction outside the U.S.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
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.
| Description |
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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.90% - 21.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 25 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 12 months.
What are the fees for Excite Credit Union Visa Cash Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $10. Does Excite Credit Union Visa Cash Rewards have a foreign transaction fee?
Excite Credit Union Visa Cash Rewards charges a foreign transaction fee of up to 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 customer service number for Excite Credit Union Visa Cash Rewards 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.
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 to the following credit bureaus:
- 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 build your credit.
Does Excite Credit Union perform a hard credit pull?
Yes, Excite Credit Union Visa Cash Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Excite Credit Union Visa Cash Rewards
- Visit the website of Excite Credit Union Visa Cash Rewards.
- 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.
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
Business Credit Cards
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Other Credit Cards from Excite Credit Union
Rating not yet determined
Purchase APR
Starting at 14.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 16.75%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
9.90% - 19.24%
Disclaimer popup with additional information
Balance Transfer APR
11.90% - 21.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
N/A
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Learn MoreSuperMoney Net Recommendation Score
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