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: $150 bonus after $1,500 purchase activity within 90 days. Rewards: 1.5% cash back on every purchase ($1.50 for every $100 spent); monthly payouts. Typical credit limit: Up to $30,000.