Excite Credit Union Visa Cash Rewards Review

Excite Credit Union Visa Cash Rewards 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. This is everything you need to know to make a good choice.

• 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.

The Good	The Bad
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. Cardholders can earn rewards on their purchases. Excite Credit Union Visa Cash Rewards reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. 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.

Is there a Excite Credit Union Visa Cash Rewards cash back or rewards program?

Excite Credit Union Visa Cash Rewards is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Excite Credit Union Visa Cash Rewards Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the relevant APRs for Excite Credit Union Visa Cash Rewards?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Excite Credit Union Visa Cash Rewards has lower than average purchase 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.

What are the fees for Excite Credit Union Visa Cash Rewards?

The following fees apply to Excite Credit Union Visa Cash Rewards:

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 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.