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 $0 introductory annual fee for the first 12 months. After that, $99. 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: 25,000 bonus points after eligible Net Purchases totaling $2,000 or more within 120 days from account opening. Rewards: 1.5 Points per dollar on eligible Net Purchases; 4 Points per dollar on qualifying travel, gas stations and EV charging stations, entertainment and recreation purchases.