Credit Builder Visa®
EXCITE IS THE COMMUNITY'S CREDIT UNION
VISA® Credit Builder
Build your credit with a structured, low-risk card designed to help you establish a strong financial future.
Best for members starting their credit journey with guided, responsible use.
Quick Highlights
Build Credit History
No Annual Fee
Reports to All 3 Credit Bureaus
Fraud Protection
Credit Builder Card Benefits
| Key Features | • Designed specifically to help build credit |
| • Reports payment activity to TransUnion®, Experian®, and Equifax® | |
| • Structured credit limits to support responsible usage | |
| • No annual fee | |
| Best For | Members new to credit who want a simple, guided way to establish positive payment history |
| Annual Fee | $0 |
| APR | 18.40% APR* on purchases |
| Credit Limit | Based on credit profile and program structure |
| Security | Free Visa® Purchase Alerts |
| & zero liability if your card is lost or stolen | |
| Extra Benefits | Access to credit education and tools Travel Accident and Auto Rental Insurance |
Learn more about our other credit cards
Disclosure
* APR = Annual Percentage Rate. For additional credit card program details, please review the 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.