Balance Transfer

Transfer your high balance credit cards and step up to savings.

Visa® Business

Earn cash back points, remove unauthorized liabilities, and save big on annual fees with every swipe you make.

Learn More

Visa® Secured

Restore, rebuild, or reconstruct your credit score with a Visa Secured® card.

Learn More

Visa® Travel Rewards

Get rewarded with flights, hotels, and car rentals for every dollar you spend.

Learn More

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


0.00% APR*

Pay no interest for the first 12 months.


Cash Rewards

Earn $1 for every $100 you spend - rewards paid monthly.


Digital Wallet

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

Best For
The financially savvy individual who wants to get cash rewards for everyday purchases - so basically, free money.
Annual Fee
0% APR* for 12 months &
9.90% to 19.24% APR on purchases thereafter
Credit Limit
Up to $30,000
Security Protections
Free Visa® Purchase Alerts
& zero liability if your card is lost or stolen
Extra Benefits
Travel Accident and Auto Rental Insurance

Apply Now!


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.

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.