Alliance Credit Union Visa Platinum Card Review

Alliance Credit Union Visa Platinum Card 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. This is everything you need to know to make a good choice.

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 13.49% up to 22.49%.
• 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 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Alliance Credit Union Visa Platinum Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 18 months. 0% APR on new purchases during the first 18 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel assistance insurance Alliance Credit Union Visa Platinum Card reports to multiple credit bureaus.	Requires good to excellent credit. 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 Visa Platinum Card cash back or rewards program?

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

What are the Alliance Credit Union Visa Platinum Card benefits?

Alliance Credit Union Visa Platinum 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 Visa Platinum 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 Visa Platinum Card has lower than average purchase APRs.

Alliance Credit Union Visa Platinum Card has a variable purchase APR that ranges from 13.49% up to 22.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 22.49%. It also has a variable cash advance APR of 25.49% .

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

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

Alliance Credit Union Visa Platinum Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $35
Late Payment Fee	up to $39

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

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 can help improve your credit score.

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 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.