Alliance Credit Union Visa Platinum Card
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| Purchase APR (Variable APR) |
16.99% - 26.99% (Verified 10/21/2022) |
| Balance Transfer APR (Variable APR) |
16.99% - 26.99% (Verified 10/21/2022) |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Alliance Credit Union Visa Platinum Card Review
This is a credit card issued by Alliance Credit Union. If you're wondering whether Alliance Credit Union Visa Platinum Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer 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 up to 18 months.
- Competitive APRs. Alliance Credit Union Visa Platinum Card has a variable purchase APR that ranges from 16.99% up to 26.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Alliance Credit Union Visa Platinum 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 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, 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 Visa Platinum Card
| The Good | The Bad |
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Alliance Credit Union Visa Platinum Card FAQ
Does Alliance Credit Union Visa Platinum Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Alliance Credit Union Visa Platinum Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Alliance Credit Union Visa Platinum 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.Alliance Credit Union Visa Platinum Card has a variable purchase APR that ranges from 16.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%. It also has a variable cash advance APR of 28.99% .
Does Alliance Credit Union Visa Platinum 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 up to 18 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 18 months |
| Balance Transfer APR | 16.99% - 26.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Alliance Credit Union Visa Platinum Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 18 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.
What are the fees for Alliance Credit Union Visa Platinum Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Alliance Credit Union Visa Platinum Card have a foreign transaction fee?
Alliance Credit Union Visa Platinum Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Visa Platinum Card?
The Alliance Credit Union Visa Platinum Card customer service number is (800) 714-3319.
What is the support contact email for Alliance Credit Union Visa Platinum Card?
The support contact email for Alliance Credit Union Visa Platinum Card is talktous@alliancecu.com.
What is the Alliance Credit Union Visa Platinum Card login page?
You can access the Alliance Credit Union Visa Platinum Card login page here.
How do people rate the customer service and user experience of Alliance Credit Union Visa Platinum Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alliance Credit Union Visa Platinum Card report your account activity to credit bureaus?
Yes, Alliance Credit Union Visa Platinum 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 Visa Platinum Card
- Visit the Alliance Credit Union Visa Platinum 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.
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
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 18 months |
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