--- title: Excite Credit Union Blog | Credit Cards description: Credit Cards | Helpful financial tips and community news from your local credit union – grow your knowledge and your savings. --- Quick Links - [Apply for a Loan](https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=VLPLCCHECBST&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614070041557.1614072156284.12&__hssc=252540758.1.1614072156284&__hsfp=1927552622&_ga=2.9158332.885728407.1614017764-121813073.1607694182) - [Become a Member](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD0RL3d1qFbsgl3hCp93n027H1L7KzQZRI2Db4r0gTGgxv49ElHWJLJGUTrsAFeKZSpF43nMHP5vg6uO7xTE5xO8&_ga=2.1016631.788664191.1587659479-1211589023.1585243269&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614070041557.1614072156284.12&__hssc=252540758.1.1614072156284&__hsfp=1927552622) - [Make a Payment](https://excitecu.org/payment-options) - [Make an Appointment](https://apps.excitecu.org/appointments) Locations/Hours% Rates Contact [![branding-excitecu-header](https://blog.excitecu.org/hs-fs/hubfs/Imported%20images/branding-excitecu-header.png?width=286&height=119&name=branding-excitecu-header.png "branding-excitecu-header")](https://excitecu.org/)   ### [Personal](https://www.excitecu.org/Personal) - 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[Privacy](https://www.excitecu.org/Learn/About-Us/Privacy) - [Give](https://www.excitecu.org/Give) - Community - [Community Events](https://www.excitecu.org/Give/Community/Events) - [Excite Cares](https://www.excitecu.org/Give/Community/ExciteCares) - [Apply for a Loan](https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=VLPLCCHECBST&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614104306112.1614149210007.14&__hssc=252540758.1.1614149210007&__hsfp=1927552622) - [Become a Member](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD0RL3d1qFbsgl3hCp93n027H1L7KzQZRI2Db4r0gTGgxv49ElHWJLJGUTrsAFeKZSpF43nMHP5vg6uO7xTE5xO8&_ga=2.1016631.788664191.1587659479-1211589023.1585243269&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614104306112.1614149210007.14&__hssc=252540758.1.1614149210007&__hsfp=1927552622) - [Make a Payment](https://www.excitecu.org/Payment-Options) - [Make an Appointment](https://apps.excitecu.org/appointments) ## [Smart Ways to Save on Summer Travel](https://blog.excitecu.org/smart-ways-to-save-on-summer-travel?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) July 14, 2025 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Credit Cards](https://blog.excitecu.org/topic/credit-cards?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_July2025_Blog_Square_Final_v2.jpg)](https://blog.excitecu.org/smart-ways-to-save-on-summer-travel?hsLang=en) Did summer sneak up on you? You’re not alone. Life moves fast, and vacation planning often gets pushed aside. But it’s not too late to enjoy a fun trip—without overspending. To help you save, consider the following five questions and discover... [Read More](https://blog.excitecu.org/smart-ways-to-save-on-summer-travel?hsLang=en) --- ## [How to Get a Credit Card for the First Time](https://blog.excitecu.org/how-to-get-a-credit-card-for-the-first-time?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) May 03, 2022 [Credit Cards](https://blog.excitecu.org/topic/credit-cards?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_193664681.jpg)](https://blog.excitecu.org/how-to-get-a-credit-card-for-the-first-time?hsLang=en) Of the many financial milestones that you will reach in your lifetime is opening your first credit card. The establishment of credit will set the foundation for the rest of the financial moves you make throughout your life — from financing a... [Read More](https://blog.excitecu.org/how-to-get-a-credit-card-for-the-first-time?hsLang=en) --- ## [7 Types of Credit Cards and How They Are Different](https://blog.excitecu.org/types-of-cards-and-how-they-are-different?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) March 02, 2022 [Credit Cards](https://blog.excitecu.org/topic/credit-cards?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_412717754.jpg)](https://blog.excitecu.org/types-of-cards-and-how-they-are-different?hsLang=en) If you are thinking about applying for a credit card, it’s understandable if you are confused by all of the available options. Different types of credit cards have different features, and some will be a better fit for your needs than others. The... [Read More](https://blog.excitecu.org/types-of-cards-and-how-they-are-different?hsLang=en) --- ## [How Does a Secured Credit Card Work?](https://blog.excitecu.org/how-does-a-secured-credit-card-work?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) February 25, 2022 [Credit Cards](https://blog.excitecu.org/topic/credit-cards?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_100073980.jpg)](https://blog.excitecu.org/how-does-a-secured-credit-card-work?hsLang=en) A secured credit card gives you a credit limit based on the funds in your savings account. Your savings work as collateral for the purchases you make on your card. If you're at the start of your financial journey, or you need to repair bad credit,... [Read More](https://blog.excitecu.org/how-does-a-secured-credit-card-work?hsLang=en) --- - - [1](https://blog.excitecu.org/tag/credit-cards/page/1?hsLang=en) - ### Posts by Topic - [Talking About Money (51)](https://blog.excitecu.org/tag/talking-about-money?hsLang=en) - [Savings (28)](https://blog.excitecu.org/tag/savings?hsLang=en) - [Budgeting (23)](https://blog.excitecu.org/tag/budgeting?hsLang=en) - [Building Credit (12)](https://blog.excitecu.org/tag/building-credit?hsLang=en) - [Auto (10)](https://blog.excitecu.org/tag/auto?hsLang=en) - [Credit Unions are Different than Banks (6)](https://blog.excitecu.org/tag/credit-unions-are-different-than-banks?hsLang=en) - [Retirement (6)](https://blog.excitecu.org/tag/retirement?hsLang=en) - [Security (6)](https://blog.excitecu.org/tag/security?hsLang=en) - [Business Services (5)](https://blog.excitecu.org/tag/business-services?hsLang=en) - [Emergency (5)](https://blog.excitecu.org/tag/emergency?hsLang=en) - [Parenting (5)](https://blog.excitecu.org/tag/parenting?hsLang=en) - [Small Business (5)](https://blog.excitecu.org/tag/small-business?hsLang=en) - [Credit Cards (4)](https://blog.excitecu.org/tag/credit-cards) - [Real Estate (4)](https://blog.excitecu.org/tag/real-estate?hsLang=en) - [Taxes (4)](https://blog.excitecu.org/tag/taxes?hsLang=en) - [Community Engagement (2)](https://blog.excitecu.org/tag/community-engagement?hsLang=en) - [Home Improvement (1)](https://blog.excitecu.org/tag/home-improvement?hsLang=en) - [Insurance (1)](https://blog.excitecu.org/tag/insurance?hsLang=en) - [Student Loans (1)](https://blog.excitecu.org/tag/student-loans?hsLang=en) see all ### About Excite - [About Us](https://excitecu.org/in-the-community/about-us/locations) - [Careers](https://excitecu.org/in-the-community/about-us/careers) - [Community](https://excitecu.org/in-the-community/community/excitecares) - [Legal](https://www.excitecu.org/Legal) - [**Phone: 800.232.8669**](tel:8002328669) - **Routing: 321176804** - **NMLS #477592** ### Resources - [Forms](https://www.excitecu.org/Learn/About-Us/Forms) - [Order Checks](https://www.deluxe.com/products-services/financial-checks-retail-linking.jsp) - [Opt Out](https://newapps.excitecu.org/MemberOptOuts/OptOutHome) - [Sitemap](https://www.excitecu.org/Sitemap) - [Privacy](https://excitecu.org/in-the-community/about-us/privacy) - [Make a Payment](https://www.excitecu.org/Payment-Options) - [Homeowner Hardship Assistance](https://www.excitecu.org/Personal/Borrow/Home-Loans/Home-Loan-Hardship-Assistance) ### Follow Us | [![Download on the App Store](https://www.excitecu.org/Content/Images/mobile-app-apple.png)](https://apps.apple.com/us/app/excite-mobile-banking/id441879558) | [![Get it on Google Play](https://www.excitecu.org/Content/Images/mobile-app-google.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid5230) | | --- | --- | Equal Housing Opportunity Federally Insured by NCUA © 2021 **Excite Credit Union**. 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