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  Alliance Credit Union Visa Business Rewards Plus Card

Alliance Credit Union Visa Business Rewards Plus Card

in Business Credit Cards from Alliance Credit Union

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Alliance Credit Union Visa Business Rewards Plus Card

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in Business Credit Cards from Alliance Credit Union

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Highlights
Purchase APR  (Variable APR) 15.74% - 24.74%
Balance Transfer APR  (Variable APR) 15.74% - 24.74%
Credit Score Range 700 - 850
Annual Fee $99

Alliance Credit Union Visa Business Rewards Plus Card Review

Key Takeaways
  • Business credit card with generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $2,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Alliance Credit Union Visa Business Rewards Plus Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
  • Annual fee waived the first year. Alliance Credit Union Visa Business Rewards Plus Card gives you the chance to have the card for a year without paying the $99 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
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3%.
  • 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 purchases everywhere Alliance Credit Union Visa Business Rewards Plus Card is accepted.
  • Alliance Credit Union Visa Business Rewards Plus Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $99
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 15.74% up to 24.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 24.74%.

It also has a variable cash advance APR of 25.74%. Note that late payments are subject to an APR of 28.99% 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 3% This business credit card does not offer an introductory rate on new purchases.

Alliance Credit Union business card Rates & Terms
Purchase APR 15.74% - 24.74%
Balance Transfer APR 15.74% - 24.74%
Cash Advance APR 25.74%
Penalty APR 28.99%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $99.
  • 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 $99
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 rewards program?

This business credit 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:

  • Airfare
  • Every Purchase
  • Hotels
  • Utilities

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.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

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 Credit Union Visa Business Rewards Plus Card report your account activity to credit bureaus?

Yes, Alliance Credit Union Visa Business Rewards Plus 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 24 days
Annual Fee $99
Cash Advance Fee (%) Up to 4%
Cash Advance Fee Minimum $10
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Over-Limit Fee $39
Returned Payment Fee Up to $35
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
  • Extended Warranty Protection
Bonus Rewards Earn 3 Points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline.
Rewards Categories
  • Airfare
  • Every Purchase
  • Hotels
  • Utilities
Signup Bonus (points) 20,000
Balance Computation average daily balance (including new purchases)
Cash Advance APR (Variable APR) 25.74%
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 15.74% - 24.74%
Balance Transfer Fee Minimum $5
Balance Transfer Introductory APR (Variable APR) 3%
Balance Transfer APR (Variable APR) 15.74% - 24.74%
Card Network Visa
Card Type
  • Rewards

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