Credit Union Credit Cards in Atlanta, GA
Looking for a credit card that works harder for you? Our credit union credit cards combine low rates with valuable rewards and straightforward terms. No hidden fees, no fine-print frustrations—just quality credit cards backed by personalized service from a financial institution that puts members first.
At EXCEL Federal Credit Union, we offer four Visa® credit card options designed to fit different spending styles and credit situations. Whether you’re building credit, earning rewards on everyday purchases, or looking for competitive rates without annual fees, we have a card that matches your needs. As a member-owned credit union serving Forsyth, Fulton, Gwinnett, and Hall counties, we’re here to help you choose the right card and make the most of your credit.
Learn more: What to know if it’s your first time opening a credit card.
Benefits of Credit Union Credit Cards
When you open an EXCEL credit union credit card, you will enjoy:
- Outstanding customer service
- Competitive rates
- Quality rewards
- Low APRs without hidden fees
- Helpful support from our team
- Extra perks like member discounts and cash-back rewards
Credit union credit cards offer different perks suited to various members. Your everyday purchases, travel habits, credit history, and financial goals all matter when selecting a card. Need help finding the right credit card for you? Visit a branch location or call 770-441-9235. Our team can walk you through the process, answer questions about rewards programs, explain balance transfer options, and help you understand how each card’s benefits align with your spending patterns.
Learn more: Should you choose a credit card from a credit union or bank?
Frequently Asked Questions
Do credit unions offer credit cards?
Yes, many credit unions offer credit cards to their members. EXCEL FCU provides four Visa® card options you can explore to find the right fit for your credit needs and spending style.
What are the different credit card types?
Compare EXCEL Visa® card options to choose the right benefits and rewards:
• Platinum Visa® – No annual fee, auto rental insurance, Competitive rate
• Gold Visa® – No annual fee, auto rental insurance, Competitive rate
• Classic Visa® – $25 annual fee, price protection, Competitive rate
• New Start Visa® – $50 annual fee, travel/merchandise points, Competitive rate
Your spending habits, travel preferences, and credit history all play a role in finding the best credit union credit card for your situation. We can advise on card features, balance transfer possibilities, and fee structures to help you make a confident choice.
What are annual fees, and when are they charged?
Annual fees vary depending on the credit card type. They are separate charges from any balance transfer fees. The annual fee is typically charged once per year, either at the beginning of the calendar year or on the anniversary date when your card was first opened.
Are annual fees billed separately from interest charges?
Yes, annual fees are separate from any interest payments made on your account balance. The annual fee will be charged to your account whether or not you carry an outstanding balance or other purchases on your card. Credit card companies are required to fully disclose all fees when you apply.
What are my options for credit cards without an annual fee?
Along with low-rate annual fee cards, you can also consider no-annual-fee options. The choice of whether to get a fee card depends on whether the rewards program and benefits outweigh the cost for you. Some annual fee cards waive the charge for the first year, so you can evaluate if the rewards justify the fee before deciding to keep the card.
Do credit unions raise your credit score?
Credit unions do not raise your credit score directly, but they can support your credit-building efforts. EXCEL FCU offers cards and programs to support responsible account management, balance transfers to consolidate high-interest debt, and strategies to pay down balances. Using your credit card responsibly by making on-time payments and keeping balances low will help improve your credit score over time.
What's the difference between credit unions and banks?
Banks are for-profit institutions owned by shareholders, while credit unions are member-owned nonprofit financial cooperatives. That means as an EXCEL FCU member, you’re a part-owner, not just an account number. This structure allows us to offer better rates, lower fees, and personalized service focused on your financial success rather than shareholder profits.