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  Alliance Credit Union Premier Rewards American Express Card

Alliance Credit Union Premier Rewards American Express Card

in Personal Credit Cards from Alliance Credit Union

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Alliance Credit Union Premier Rewards American Express Card

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in Personal Credit Cards from Alliance Credit Union

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Highlights
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 Credit Union Premier Rewards American Express Card Review

This is a rewards credit card issued by Alliance Credit Union. If you're wondering whether Alliance Credit Union Premier Rewards American Express 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.

Key Takeaways
  • Generous reward rate. You will 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 Credit Union Premier Rewards American Express Card has a variable purchase APR that ranges from 15.49% up to 24.49%.
  • Annual fee waived the first year. Alliance Credit Union Premier Rewards American Express Card gives you the chance to have the card for a year without paying the $99 annual fee.
  • 3% Balance transfer fee. Alliance Credit Union Premier 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.
  • 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 Credit Union Premier Rewards American Express Card
The Good The Bad
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Alliance Credit Union Premier Rewards American Express Card is accepted.
  • Alliance Credit Union Premier Rewards American Express Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $99
  • Charges a 3% balance transfer fee.
Alliance Credit Union Premier Rewards American Express Card FAQ

Does Alliance Credit Union Premier Rewards American Express Card have a cash back or rewards program?

Alliance Credit Union Premier Rewards American Express Card is a rewards card.

Alliance Credit Union Premier Rewards American Express Card Rewards
Minimum rewards rate 1x
Max rewards rate 4x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Alliance Credit Union Premier Rewards American Express Card 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 Credit Union Premier Rewards American Express Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Alliance Credit Union Premier Rewards American Express Card 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 Credit Union Premier Rewards American Express 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. It has lower than average regular APRs.

It 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 Premier Rewards American Express Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Alliance Credit Union Premier Rewards American Express Card 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 Credit Union Premier Rewards American Express Card?

The following fees apply:

Alliance Credit Union Premier Rewards American Express Card Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 0%
Returned Payment Fee up to $35
Late Payment Fee up to $39

Does Alliance Credit Union Premier Rewards American Express Card 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 Credit Union Premier Rewards American Express Card?

The Alliance Credit Union Premier Rewards American Express Card customer service number is (800) 714-3319.

What is the support contact email for Alliance Credit Union Premier Rewards American Express Card?

The support contact email for Alliance Credit Union Premier Rewards American Express Card is talktous@alliancecu.com.

Does Alliance Credit Union Premier Rewards American Express Card report your account activity to credit bureaus?

Yes, Alliance Credit Union Premier Rewards American Express 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 Alliance Credit Union Premier Rewards American Express Card

  • Visit the Alliance Credit Union Premier Rewards American Express 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 - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday 9:00am - 12:00pm

Other Services by Alliance Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $99
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Airport Lounge Access
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Travel Assistance
Rewards Rates
  • Airfare
  • Every Purchase
  • Gas
  • Restaurants
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 25.49%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15.49% - 24.49%
Balance Transfer APR (Variable APR) 15.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network American Express

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