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  Allegacy FCU Visa® Rewards Credit Card
Allegacy FCU Visa® Rewards Credit Card
in Credit Cards from Allegacy Federal Credit Union
Unaffiliated

Allegacy FCU Visa® Rewards Credit Card

Unaffiliated
in 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 FCU Visa® Rewards Credit Card Review

This is a rewards credit card issued by Allegacy Federal Credit Union. If you're wondering whether Allegacy FCU Visa® Rewards Credit Card is the right card for you, read on.

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 FCU Visa® 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 odds if your credit score is above 600.

Pros & Cons of Allegacy FCU Visa® 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.
  • Potentially 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. There is then a variable purchase APR that ranges from 11.15% up to 13.15%.
  • 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 credit.
  • Cardholders can earn rewards on purchases everywhere Allegacy FCU Visa® Rewards Credit Card is accepted.
  • Allegacy FCU Visa® Rewards Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.

Allegacy FCU Visa® Rewards Credit Card FAQ

Does Allegacy FCU Visa® Rewards Credit Card have a cash back or rewards program?

Allegacy FCU Visa® Rewards Credit Card is a rewards card.

Allegacy FCU Visa® Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) 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 FCU Visa® 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 FCU Visa® 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 FCU Visa® 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 FCU Visa® 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. This card has lower than average regular APRs.

Allegacy FCU Visa® Rewards Credit Card 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 FCU Visa® 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 FCU Visa® 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 FCU Visa® Rewards Credit Card have an intro APR offer on new purchases?

Allegacy FCU Visa® 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 FCU Visa® Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Allegacy FCU Visa® 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 FCU Visa® Rewards Credit Card have a foreign transaction fee?

Allegacy FCU Visa® 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 FCU Visa® Rewards Credit Card?

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

What is the support contact email for Allegacy FCU Visa® Rewards Credit Card?

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

What is the Allegacy FCU Visa® Rewards Credit Card login page?

You can access the Allegacy FCU Visa® Rewards Credit Card login page here.

How do people rate the customer service and user experience of Allegacy FCU Visa® Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Allegacy FCU Visa® Rewards Credit Card report your account activity to credit bureaus?

Yes, Allegacy FCU Visa® 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 FCU Visa® Rewards Credit Card

  • Visit the Allegacy FCU Visa® 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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Availability

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

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum 10
Cash Advance Fee (%) Starting at 2
Minimum Cash Advance Fee ($) Starting at 10
Foreign Currency Transaction Fee 1
No Annual Fee
Annual Fee $0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 25
Paper Statement Fee 2
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
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
APR Type Variable APR
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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