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  Allegacy Federal Credit Union Visa® Signature Rewards Credit Card

Allegacy Federal Credit Union Visa® Signature Rewards Credit Card

in Personal Credit Cards from Allegacy Federal Credit Union

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Allegacy Federal Credit Union Visa® Signature Rewards Credit Card

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in Personal Credit Cards from Allegacy Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 11.15 - 13.15
Balance Transfer APR  (Variable APR) 11.15 - 13.15
Credit Score Range 600 - 850
Annual Fee $0

Allegacy Federal Credit Union Visa® Signature Rewards Credit Card Review

This is a rewards credit card issued by Allegacy Federal Credit Union. If you're wondering whether Allegacy Federal Credit Union Visa® Signature Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of 10,000 points after spending $1 within 90 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Allegacy Federal Credit Union Visa® Signature Rewards Credit Card has a variable purchase APR that ranges from 11.15% up to 13.15%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Allegacy Federal Credit Union Visa® Signature Rewards Credit Card
The Good The Bad
  • Earn 10,000 Bonus Points if you spend $1,000 within 90 days of opening your account. Earn 5,000 more Bonus Points if you spend $50,000 or more annually.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Allegacy Federal Credit Union Visa® Signature Rewards Credit Card is accepted.
  • Allegacy Federal Credit Union Visa® Signature Rewards Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
Allegacy Federal Credit Union Visa® Signature Rewards Credit Card FAQ

Does Allegacy Federal Credit Union Visa® Signature Rewards Credit Card have a cash back or rewards program?

Allegacy Federal Credit Union Visa® Signature Rewards Credit Card is a rewards card.

Allegacy Federal Credit Union Visa® Signature Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10,000
Signup Bonus Spend Requirement $1,000
Signup Bonus Spend Period (months) 90 months
Annual Loyalty Bonus (Points/Miles) 5,000
Annual Loyalty Bonus Spend Requirement $50,000

Does Allegacy Federal Credit Union Visa® Signature Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 10,000 points signup bonus after spending $1,000 that can be redeemed for travel, gifts, or other perks.

Does Allegacy Federal Credit Union Visa® Signature Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 5,000 points after spending $50,000 that can be redeemed for travel, gifts, and other perks.

What are the Allegacy Federal Credit Union Visa® Signature Rewards Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Allegacy Federal Credit Union Visa® Signature Rewards Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.15% up to 13.15%. The card has a variable balance transfer APR that ranges from 11.15% up to 13.15%. It also has a variable cash advance APR that ranges from 11.15% up to 13.15%.

Does Allegacy Federal Credit Union Visa® Signature Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Allegacy Federal Credit Union Visa® Signature Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.15 - 13.15

Does Allegacy Federal Credit Union Visa® Signature Rewards Credit Card have an intro APR offer on new purchases?

Allegacy Federal Credit Union Visa® Signature Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Allegacy Federal Credit Union Visa® Signature Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Allegacy Federal Credit Union Visa® Signature Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Allegacy Federal Credit Union Visa® Signature Rewards Credit Card have a foreign transaction fee?

Allegacy Federal Credit Union Visa® Signature Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Allegacy Federal Credit Union Visa® Signature Rewards Credit Card?

The Allegacy Federal Credit Union Visa® Signature Rewards Credit Card customer service number is (336) 774-3400.

What is the support contact email for Allegacy Federal Credit Union Visa® Signature Rewards Credit Card?

The support contact email for Allegacy Federal Credit Union Visa® Signature Rewards Credit Card is allegacy@allegacy.org.

Does Allegacy Federal Credit Union Visa® Signature Rewards Credit Card report your account activity to credit bureaus?

Yes, Allegacy Federal Credit Union Visa® Signature Rewards Credit 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 for Allegacy Federal Credit Union Visa® Signature Rewards Credit Card

  • Visit the Allegacy Federal Credit Union Visa® Signature Rewards Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Allegacy Federal Credit Union

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View all personal credit cards offered by Allegacy Federal Credit Union

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

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 10
Cash Advance Fee (%) Starting at 2
Minimum Cash Advance Fee ($) Starting at 10
Foreign Currency Transaction Fee 1
Returned Payment Fee Up to 25
Paper Statement Fee 2
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Annual Loyalty Bonus (points) 5
Annual Loyalty Bonus Spend Requirement 50
Rewards Categories
  • Travel
  • Every Purchase
Signup Bonus (points) 10
Cash Advance APR (Variable APR) 11.15 - 13.15
Purchase APR (Variable APR) 11.15 - 13.15
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.15 - 13.15
Card Type
  • Rewards
Card Network Visa

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