Last Updated: 04/18/2025
Alliance Credit Union Visa Business Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
14.99% - 23.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.99% - 23.99%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
600 - 850
Alliance Credit Union Visa Business Card Review
This is a card issued by Alliance Credit Union. If you're wondering whether Alliance Credit Union Visa Business Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APRs: Alliance Credit Union Visa Business Card has a variable regular purchase APR that ranges from 14.99% up to 23.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Alliance Credit Union Visa Business Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Alliance Credit Union Visa Business Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 14.99% up to 23.99% . The card has a variable balance transfer APR that ranges from 14.99% up to 23.99% .
It also has a variable cash advance APR of 28.99%. Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 18 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 15 months.
| Purchase APR | 14.99% - 23.99% |
| Balance Transfer APR | 14.99% - 23.99% |
| Cash Advance APR | 28.99% |
| Penalty APR | 30.24% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of up to $35.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
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Message from Alliance Credit Union Visa Business Card
Hours of Operation
Sunday
Closed
Monday
9:00AM - Invalid DateTime
Tuesday
9:00AM - Invalid DateTime
Wednesday
9:00AM - Invalid DateTime
Thursday
9:00AM - Invalid DateTime
Friday
9:00AM - Invalid DateTime
Saturday
9:00AM - 12:00PM