Alliance CU Visa Smart Business Rewards Card

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

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.

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 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

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.