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 17.49% to 28.49% variable, based on your creditworthiness; varies with the Prime Rate (terms accurate as of 10/2026) after a 0% introductory APR for the first 21 billing cycles on purchases and on balances transferred within 651 days from account opening introductory rate. Rewards: 4% Cash Rewards for every $1 in eligible Net Purchases on prepaid air, car rental, attractions and hotel purchases made via the Travel Center.