The Excite Credit Union is a personal credit card from Excite Credit Union. The annual fee is No annual fee. The ongoing APR is 11.65% to 20.99% variable, based on your creditworthiness; varies with the market based on the Prime Rate (disclosure accurate as of 4/1/2026) after a 1.99% Introductory APR for purchases for a period of six billing cycles introductory rate. Typical credit limit: Up to $30,000.