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.

• 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.

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.

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?

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%.

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

The following fees apply:

• There is no overlimit fee

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 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.