Last Updated: 05/14/2026
Alliance Credit Union Cash Rewards American Express Card
Unaffiliated
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
15.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Alliance Credit Union Cash Rewards American Express Card Review
This is a cashback credit card issued by Alliance Credit Union. If you're wondering whether Alliance Credit Union Cash Rewards American Express Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- Signup bonus. Offers a signup bonus of up to $25.
- APRs: Alliance Credit Union Cash Rewards American Express Card has a variable regular purchase APR that ranges from 15.49% up to 24.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Alliance Credit Union Cash Rewards American Express Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Alliance Credit Union Cash Rewards American Express Card
| The Good | The Bad |
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Alliance Credit Union Cash Rewards American Express Card FAQ
Does Alliance Credit Union Cash Rewards American Express Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Alliance Credit Union Cash Rewards American Express Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Alliance Credit Union Cash Rewards American Express Card has a variable purchase APR that ranges from 15.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 24.49%. It also has a variable cash advance APR of 25.49% .
Does Alliance Credit Union Cash Rewards American Express 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.49% - 24.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Alliance Credit Union Cash Rewards American Express Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Alliance Credit Union Cash Rewards American Express Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Alliance Credit Union Cash Rewards American Express Card have a foreign transaction fee?
Alliance Credit Union Cash Rewards American Express Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Alliance Credit Union Cash Rewards American Express Card?
The customer service number for Alliance Credit Union Cash Rewards American Express Card is (800) 714-3319.
What is the support contact email for Alliance Credit Union Cash Rewards American Express Card?
The support contact email for Alliance Credit Union Cash Rewards American Express Card is talktous@alliancecu.com.
How do people rate the customer service and user experience of Alliance Credit Union Cash Rewards American Express Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alliance Credit Union Cash Rewards American Express Card report your account activity to credit bureaus?
Yes, Alliance Credit Union Cash Rewards American Express Card reports to the following credit bureaus:
- 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 build your credit.
Does Alliance Credit Union perform a hard credit pull?
Yes, Alliance Credit Union Cash Rewards American Express Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Alliance Credit Union Cash Rewards American Express Card
- Visit the website of Alliance Credit Union Cash Rewards American Express Card.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - Invalid DateTime
Tuesday
9:00AM - Invalid DateTime
Wednesday
9:00AM - Invalid DateTime
Thursday
9:00AM - Invalid DateTime
Friday
9:00AM - Invalid DateTime
Saturday
9:00AM - 12:00PM
Other Services by Alliance Credit Union
Other Credit Cards from Alliance Credit Union
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
500 - 750
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
15.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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