
Alliance CU Premier Rewards American Express
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Purchase APR (Variable APR) | 15.49% - 24.49% |
Balance Transfer APR (Variable APR) | 15.49% - 24.49% |
Credit Score Range | 700 - 850 |
Annual Fee | $99 |
Alliance CU Premier Rewards American Express Review
This is a rewards credit 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.
- Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Alliance CU Premier Rewards American Express has a variable purchase APR that ranges from 15.49% up to 24.49%.
- Annual fee waived 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.
- 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 $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Alliance CU Premier Rewards American Express
The Good | The Bad |
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Alliance CU Premier Rewards American Express FAQ
Does Alliance CU Premier Rewards American Express have a cash back or rewards program?
Alliance CU Premier Rewards American Express is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 4x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 10000 |
Signup Bonus Spend Requirement | $1000 |
Signup Bonus Spend Period (months) | 3 months |
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 after spending $1000 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?
It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $99 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $39 |
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 Alliance CU Premier Rewards American Express customer service number 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 Alliance CU Premier Rewards American Express login page?
You can access the Alliance CU Premier Rewards American Express login page 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 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 Alliance CU Premier Rewards American Express
- Visit the Alliance CU Premier Rewards American Express 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
-
1280 South Highway Drive
Fenton, MO 63026 USA - (800) 714-3319
- Visit Site
- Email Support
Other Services by Alliance 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
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 4% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
No Annual Fee First Year | |
Annual Fee | $99 |
Minimum Interest Charge | $2 |
No Interest Grace Period for Late Payment | 24 days |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $39 |
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