Earn cash back points, remove unauthorized liabilities, and save big on annual fees with every swipe you make.
Restore, rebuild, or reconstruct your credit score with a Visa Secured® card.
Visa® Travel Rewards
Get rewarded with flights, hotels, and car rentals for every dollar you spend.
Transfer Your Balance to an Excite Credit Union Credit Card
Save money and transfer your balances from higher interest rate credit cards.
Questions About Excite’s Visa® Cash Rewards Card?
A balance transfer is when you move the balance of one or multiple credit cards or other loans to a new or existing credit card account. It’s a smart way to save money on interest, consolidate payments and pay off credit card debt sooner.
Yes. You certainly can. The cash advance APR is 11.90% to 21.24% and the fee is 4% of the amount of the advance.
If you’re looking to save on interest, lower your monthly payments, or consolidate payments, it’s worth looking into a balance transfer. This may be a helpful move, allowing you to pay off debt more quickly and take control of your finances.
That depends on a few factors. Applying for a new credit card will result in a hard inquiry on your credit report, which can lower your score temporarily. Adding a new card will affect your overall length of credit history, which could also temporarily lower your score. On the other side, a new card with a new line of credit can reduce your overall credit utilization, positively impacting your score.
To do a balance transfer, login in to
Online banking > Additional Services > Visa Credit Card > Services > Balance Consolidation
- Enter last 4 of your SSN and zip code then proceeds thru these screens:
**Not available through mobile at this time.
What You'll Need For Your Balance Transfer:
- Name and address of the other financial institution (Excite Credit Union Accounts are excuded)
- Your account number at that financial institution
- The amount to transfer
Pay no interest for the first 12 months.
Earn $1 for every $100 you spend - rewards paid monthly.
Manage your account anywhere you go.
No Annual Fee
We’d never charge you a fee to have an Excite credit card.
More Excite Visa® Credit Cards
So maybe getting cash back isn’t your first priority, and that’s okay. We’ve got plenty of other ways to give you the benefits you deserve, including a travel rewards card that helps you get out and see the world.
Excite Visa® Cash Rewards Benefits
9.90% to 19.24% APR on purchases thereafter
& zero liability if your card is lost or stolen
* APR = Annual Percentage Rate. The introductory rate begins at account opening. When the introductory rate expires, your non-discounted APR will change to a regular rate as disclosed on your Credit Card Opening Disclosure. Rate and credit limit for which you qualify are based on credit worthiness and other factors. We will begin charging interest on balance transfers on the billing statement cycle date. To avoid paying interest on new purchases, you must pay your entire balance each month by the due date. the minimum payment will be applied to lowest rate balances first while all payments exceeding the minimum payment due each billing period will be applied to balances with high APRs prior to balances with low APRs. Current Excite credit card balances are not eligible for balance transfers. Reward points are not awarded for transferred balances. The current regular rate is disclosed in our credit card Application and Solicitation Disclosure. Impact on your credit may vary, and some users’ scores may not improve as credit scores are independently determined by credit bureaus based on a number of factors. Excite Credit Union will report your transactions to Transunion®, Experian®, and Equifax®. Speak with an Excite representative for details.
I love this Credit Union!!! Best rates, highest payouts for deposits. Nice folks too. I am shifting the entirety of my indebtedness to them because the rates are so good, and I was tired of getting hit with huge interest at the end of every month. 5 stars.
~ Braxton W.