Last Updated: 07/28/2025
Excite Credit Union Visa Secured Visa
Unaffiliated
in Credit Cards from Excite Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 14.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 16.75%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
N/A
Excite Credit Union Visa Secured Visa Review
This is a secured credit card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Secured Visa is the right card for you, read on.
Key Takeaways
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3.00% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Excite Credit Union Visa Secured Visa
| The Good | The Bad |
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Excite Credit Union Visa Secured Visa FAQ
Does Excite Credit Union Visa Secured Visa have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Excite Credit Union Visa Secured Visa?
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 Secured Visa has a variable purchase APR starting at 14.74%. The card has a variable balance transfer APR starting at 16.75% . It also has a variable cash advance APR starting at 16.74% .
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 Secured Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Excite Credit Union Visa Secured Visa have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Excite Credit Union Visa Secured Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Excite Credit Union Visa Secured Visa have a foreign transaction fee?
Excite Credit Union Visa Secured Visa charges a foreign transaction fee of up to 3.00%. 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 Secured Visa?
The customer service number for Excite Credit Union Visa Secured Visa is (800) 232-8669.
What is the support contact email for Excite Credit Union Visa Secured Visa?
The support contact email for Excite Credit Union Visa Secured Visa is service@excitecu.org.
How do people rate the customer service and user experience of Excite Credit Union Visa Secured Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Excite Credit Union Visa Secured Visa report your account activity to credit bureaus?
Yes, Excite Credit Union Visa Secured Visa 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 Secured Visa 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 Secured Visa
- Visit the website of Excite Credit Union Visa Secured Visa.
- 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 Secured Visa'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
9.90% - 19.24%
Disclaimer popup with additional information
Balance Transfer APR
11.90% - 21.24%
Disclaimer popup with additional information
Credit Score Range
750 - 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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Excite Credit Union Visa Secured Visa Community Reviews
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