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  Alliance CU Visa Smart Business Rewards Card
Alliance CU Visa Smart Business Rewards Card Unaffiliated

Alliance CU Visa Smart Business Rewards Card

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Highlights
Purchase APR  (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Balance Transfer APR  (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Credit Score Range 700 - 850
Annual Fee $0 - $95

Alliance CU Visa Smart Business Rewards Card Review

Key Takeaways

  • Business credit card with generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $2,000 that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 23.99%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
  • Annual fee waived the first year. Alliance CU Visa Smart Business Rewards Card gives you the chance to have the card for a year without paying the $0 annual fee.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Alliance Credit Union business card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Alliance CU Visa Smart Business Rewards Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.

Alliance Credit Union business card FAQ

Who is Alliance Credit Union business card designed for?

This is a credit card issued by Alliance Credit Union.

This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 18.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 18.99% 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% This business credit card does not offer an introductory rate on new purchases.

Alliance Credit Union business card Rates & Terms
Purchase APR 18.99% - 23.99%
Balance Transfer APR 18.99% - 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.
  • An overlimit fee of $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Alliance Credit Union business card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
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?

Yes, Alliance Credit Union business card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Advertising Services
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

However, it does include a 20000 points signup bonus after you spend $2000 that can be redeemed for travel, gifts, or other perks.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 714-3319.

What is the support contact email?

The support contact email for this business credit card is talktous@alliancecu.com.

Does Alliance CU Visa Smart Business Rewards Card report your account activity to credit bureaus?

Yes, Alliance CU Visa Smart Business Rewards Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Alliance Credit Union .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0 - $95
Cash Advance Fee (%) Up to 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 0%
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 24 days
Over-Limit Fee $39
Returned Payment Fee Up to $35
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Bonus Rewards Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
Rewards Categories
  • 1x - 2x Points on Airfare
  • 1x - 2x Points on Hotels
  • 1x - 2x Points on Utilities
  • 1x - 2x Points on Every Purchase
Signup Bonus (points) 20,000
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Cash Advance APR (Variable APR) 28.99%
Penalty APR (Variable APR) 30.24%
Purchase APR (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Card Network Visa
Card Type
  • Rewards

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