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  Alliance Credit Union Secured Visa Card

Alliance Credit Union Secured Visa Card

in Personal Credit Cards from Alliance Credit Union

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Alliance Credit Union Secured Visa Card

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in Personal Credit Cards from Alliance Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 22.49%
Credit Score Range 300 - 640
Annual Fee $35
Purchase APR  (Variable APR) 22.49%

Alliance Credit Union Secured Visa Card Review

Alliance Credit Union Secured Visa Card is a secured credit card credit card issued by Alliance Credit Union. If you're wondering whether Alliance Credit Union Secured Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.49%
  • 3% Balance transfer fee. Alliance Credit Union Secured Visa Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 3% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Alliance Credit Union Secured Visa Card Pros and Cons:

The Good The Bad
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Alliance Credit Union Secured Visa Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $35
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.

Is there a Alliance Credit Union Secured Visa Card cash back or rewards program?

No, Alliance Credit Union Secured Visa Card does not offer a rewards program.

What are the Alliance Credit Union Secured Visa Card benefits?

Alliance Credit Union Secured Visa Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Alliance Credit Union Secured Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Alliance Credit Union Secured Visa Card has higher than average purchase APRs.

Alliance Credit Union Secured Visa Card has a variable purchase APR of 22.49%. The card has a variable balance transfer APR of 22.49% . It also has a variable cash advance APR of 25.49% .

Does Alliance Credit Union Secured Visa Card have an introductory APR offer on balance transfers?

No, Alliance Credit Union Secured Visa Card does not come with an introductory APR offer for balance transfers.

Does Alliance Credit Union Secured Visa Card have an introductory APR offer on new purchases?

Alliance Credit Union Secured Visa Card does not offer an introductory rate on new purchases.
Alliance Credit Union Secured Visa Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Alliance Credit Union Secured Visa Card?

The following fees apply to Alliance Credit Union Secured Visa Card:

Alliance Credit Union Secured Visa Card Fees
Fees Amount
Annual Fee $35
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $39

Does Alliance Credit Union Secured Visa Card have a foreign transaction fee?

Alliance Credit Union Secured Visa Card charges a foreign transaction fee of 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 a foreign transaction fee.

Does Alliance Credit Union Secured Visa Card report your account activity to credit bureaus?

Alliance Credit Union Secured Visa 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 can help improve your credit score.

How to apply for Alliance Credit Union Secured Visa Card

  • Visit the Alliance Credit Union Secured Visa 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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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View all personal credit cards offered by Alliance Credit Union

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

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
Foreign Currency Transaction Fee 3%
Annual Fee $35
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 300 - 640
Card Type Secured
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 25.49%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 22.49%
Balance Transfer APR (Variable APR) 22.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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Alliance Credit Union Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Alliance Credit Union Visa Signature Real Rewards Card
Balance Transfer APR 15.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 24.49%
(Variable APR)
    0% 36% Variable APR
Alliance Credit Union Premier Rewards American Express Card
Balance Transfer APR 15.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $99 Annual Fee
Purchase APR 15.49% - 24.49%
(Variable APR)
    0% 36% Variable APR
Alliance Credit Union Cash Rewards American Express Card
Balance Transfer APR 15.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 24.49%
(Variable APR)
    0% 36% Variable APR
Alliance Credit Union Visa Platinum Card
Balance Transfer APR 13.49% - 22.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 13.49% - 22.49%
(Variable APR)
    0% 36% Variable APR
Alliance Credit Union Visa Signature College Real Rewards Card
Balance Transfer APR 15.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 500 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 24.49%
(Variable APR)
    0% 36% Variable APR