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 12 billing cycles on purchases and on balances transferred within 366 days from account opening introductory rate. Signup bonus: $150 bonus after eligible Net Purchases totaling $500 or more within 90 days from account opening. Rewards: 5% cash back on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories; unlimited 2% in one chosen everyday category; 1% on all other Net Purchases (must enroll in categories).