Before you read the numbers.
The filing discloses a promotional rate alongside the ongoing rate. The figure shown here is the go-to rate that applies once the promotional period ends, because that is the rate that governs for the life of the account.
This document covers more than one card product in a single disclosure table. Figures shown may belong to a sibling product rather than to this one. Check the filing before relying on any individual number.
Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Purchase APR | 11.4%–20.74% (variable) |
|---|---|
| Introductory APR | 1.99% for 6 months |
| Balance transfer APR | 11.4% |
| Cash advance APR | 13.4% |
| Late payment fee | up to $10 |
| Foreign transaction fee | 3% |
| Grace period | 25 days |
| Network | Visa |
Analysis
On the record for Application Soliciation Disclosure 4 1 2026M: a purchase APR of 11.4%–20.74% and a 1.99% introductory rate, filed by Excite Credit Union. The purchase rate sits at roughly the 44th percentile of the 4,587 agreements indexed here.
What this filing discloses
Excite Credit Union submitted the terms for Application Soliciation Disclosure 4 1 2026M to the CFPB's agreement database; this is what they contain. The filing runs nine pages, and It is issued on the Visa network.
Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, a late payment maximum and a foreign transaction fee. No figure appears for a penalty rate and an annual fee line.
This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.
Introductory pricing
For the first six months the filing sets a reduced rate of 1.99%. Balances still cost something during that window.
Among the 763 filings here that disclose an introductory rate, 1.99% sits at about the 66th percentile.
What matters more than the promotion is the rate waiting behind it: 20.74%. A $5,000 balance that survives the promotional window costs roughly $1,152 a year from that point on.
The purchase APR against the corpus
Purchases price between 11.4% and 20.74% under this filing. The 9.34-point gap between the two is material, and nothing in the agreement indicates where a given account would land.
Read against the index, the low end ranks around the 15th percentile and the high end around the 44th — the band straddles a wide stretch of the market this corpus describes.
The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.
The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.
What the rate means in dollars
Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $691 in interest.
The corpus median purchase rate is 21.99%, which on the same $3,000 would cost about $738 a year. This filing saves roughly $46 annually against that benchmark.
Broken down to a single thirty-day cycle, the same balance accrues roughly $51.56.
These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.
Grace period and minimum charge
The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.
When a payment is late
Late payments are capped at $10 under this filing, about the 6th percentile of late fee maximums in the corpus.
What the card costs before you borrow
Cash advances carry a cash advance APR of 13.4%.
The filing discloses a 11.4% balance transfer rate without an accompanying fee figure.
Foreign transactions attract 3%. On $5,000 of overseas spending that is $150, charged on top of whatever exchange rate applies.
That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.
What the filing does not tell you
This page cannot tell you an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.
More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.
The document itself
The original filing, 9 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.
In short
20.74% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.
The source document
This page is a reading of one document: the cardholder agreement Excite Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Excite Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Excite Credit Union
This is the only agreement from Excite Credit Union in the database with enough disclosed terms to publish. See the issuer's full filing list.
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.