Last Updated: 07/28/2025
Alliance CU Premier Rewards American Express
Unaffiliated
in Credit Cards from Alliance Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.49% - 24.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.49% - 24.49%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$99
Alliance CU Premier Rewards American Express Review
This is a rewards card issued by Alliance Credit Union. If you're wondering whether Alliance CU Premier Rewards American Express is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4 reward points per dollar spent.
- Welcome offer. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Alliance CU Premier Rewards American Express has a variable regular purchase APR that ranges from 15.49% up to 24.49%.
- $0 intro annual fee for the first year. Alliance CU Premier Rewards American Express gives you the chance to have the card for a year without paying the $99 annual fee.
- A 3% balance transfer fee. Alliance CU Premier Rewards American Express 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- 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 CU Premier Rewards American Express
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Alliance CU Premier Rewards American Express FAQ
Does Alliance CU Premier Rewards American Express have a cash back or rewards program?
Alliance CU Premier Rewards American Express is a rewards card.
| Description |
Does Alliance CU Premier Rewards American Express have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Alliance CU Premier Rewards American Express offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Alliance CU Premier Rewards American Express benefits?
Alliance CU Premier Rewards American Express provides the following benefits:
- 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 CU Premier Rewards American Express?
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 CU Premier Rewards American Express 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 CU Premier Rewards American Express have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Alliance CU Premier Rewards American Express have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Alliance CU Premier Rewards American Express?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $99.
Does Alliance CU Premier Rewards American Express have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Alliance CU Premier Rewards American Express?
The customer service number for Alliance CU Premier Rewards American Express is (800) 714-3319.
What is the support contact email for Alliance CU Premier Rewards American Express?
The support contact email for Alliance CU Premier Rewards American Express is talktous@alliancecu.com.
What is the login page for Alliance CU Premier Rewards American Express?
You can access the login page of Alliance CU Premier Rewards American Express here.
How do people rate the customer service and user experience of Alliance CU Premier Rewards American Express?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alliance CU Premier Rewards American Express report your account activity to credit bureaus?
Yes, Alliance CU Premier Rewards American Express 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 CU Premier Rewards American Express 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 CU Premier Rewards American Express
- Visit the website of Alliance CU Premier Rewards American Express.
- 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.
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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.
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