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 6 billing cycles on purchases and on balances transferred within 186 days from account opening introductory rate. Signup bonus: 2,500 bonus points after your first purchase. Rewards: 1.5 Reward Points per dollar on eligible Net Purchases (equal to 1.5% cash back).