The Excite Credit Union is a personal credit card from Excite Credit Union. The annual fee is No annual fee. The ongoing APR is 13.65% to 22.99% 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. Signup bonus: Earn 15,000-point bonus after $1,500 purchase activity in first 90 days. Rewards: 3 points per dollar on Travel & Restaurants; 2 points per dollar on Gas, Grocery, and Streaming; 1 point per dollar on all other purchases; redeem for flights, hotels, or car rentals. Typical credit limit: Up to $30,000.