The Essential Credit Union is a personal credit card from Essential Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 17.99% to 28.24% variable, based on your creditworthiness; varies with the Prime Rate (terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases and on balances transferred within 366 days from account opening introductory rate. Signup bonus: 15,000 bonus points after eligible Net Purchases totaling $500 or more within 90 days from account opening. Rewards: 1 Point per dollar on eligible Net Purchases; 4 Points per dollar at restaurants, fast-food restaurants and bars on the first $2,000 each quarter; 2 Points per dollar at gas stations and EV charging stations, grocery stores and supermarkets, and qualifying streaming services.