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 $390. The ongoing APR is 19.24% to 28.24% 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: 50,000 bonus points after eligible Net Purchases totaling $4,500 or more within 90 days from account opening. Rewards: 2 Points per dollar on eligible Net Purchases; 6 Points per dollar on prepaid airfare, car rental and hotel reservations booked directly in the Travel Center.