The Essential Credit Union is a business credit card from Essential Credit Union. Application typically pulls a credit report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees. The ongoing APR is 18.49% to 25.49% variable, based on your creditworthiness; varies with the Prime Rate (terms accurate as of 10/2026) after a No introductory APR introductory rate. Signup bonus: 20,000 bonus points when you spend $500 on the Authorized Officer's card within the first 90 days of account opening. Rewards: 1 Point per dollar on eligible Net Purchases; 2 Points per dollar in your top 2 highest spend categories each billing cycle; 5 Points per dollar on prepaid car and hotel reservations in the Travel Center.