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UnaffiliatedAllegacy FCU Visa® Rewards Credit Card
in Personal Credit Cards from Allegacy Federal Credit Union
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| 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. 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 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.
| The Good | The Bad |
|---|---|
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Does Allegacy FCU Visa® Rewards Credit Card have a cash back or rewards program?
Allegacy FCU Visa® Rewards Credit Card is a rewards card.
| 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 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.
| 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?
| 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
| 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 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.
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.
Contact
- Headquarters
-
PO Box 26043 Winston-Salem, NC 27114-6043
Winston-Salem, NC 27114 - Visit Site
- Email Support
Other Services by Allegacy Federal Credit Union
Availability
- 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 |
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