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  Alliance Credit Union Visa Signature College Real Rewards Card

Alliance Credit Union Visa Signature College Real Rewards Card

in Personal Credit Cards from Alliance Credit Union

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Alliance Credit Union Visa Signature College Real Rewards 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 500 - 850
Annual Fee $0

Alliance Credit Union Visa Signature College Real Rewards Card Review

This is a rewards credit card issued by Alliance Credit Union. If you're wondering whether Alliance Credit Union Visa Signature College Real Rewards 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter 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 6 months.
  • Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Alliance Credit Union Visa Signature College Real Rewards Card has a variable purchase APR that ranges from 15.49% up to 24.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Alliance Credit Union Visa Signature College Real Rewards 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 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, identity theft protection, 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 have good approval odds.
Pros & Cons of Alliance Credit Union Visa Signature College Real Rewards Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Alliance Credit Union Visa Signature College Real Rewards Card is accepted.
  • Alliance Credit Union Visa Signature College Real Rewards Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Alliance Credit Union Visa Signature College Real Rewards Card FAQ

Does Alliance Credit Union Visa Signature College Real Rewards Card have a cash back or rewards program?

Alliance Credit Union Visa Signature College Real Rewards Card is a rewards card.

Alliance Credit Union Visa Signature College Real Rewards Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 2500

Does Alliance Credit Union Visa Signature College Real Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Alliance Credit Union Visa Signature College Real Rewards Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Alliance Credit Union Visa Signature College Real Rewards 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 Signature College Real Rewards 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 Visa Signature College Real Rewards 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 6 months.

Alliance Credit Union Visa Signature College Real Rewards Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 15.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Alliance Credit Union Visa Signature College Real Rewards Card have an intro APR offer on new purchases?

Alliance Credit Union Visa Signature College Real Rewards Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Alliance Credit Union Visa Signature College Real Rewards Card?

The following fees apply:

Alliance Credit Union Visa Signature College Real Rewards Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Alliance Credit Union Visa Signature College Real Rewards Card have a foreign transaction fee?

Alliance Credit Union Visa Signature College Real Rewards 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 foreign transaction fees.

What is the customer service phone number for Alliance Credit Union Visa Signature College Real Rewards Card?

The Alliance Credit Union Visa Signature College Real Rewards Card customer service number is (800) 714-3319.

What is the support contact email for Alliance Credit Union Visa Signature College Real Rewards Card?

The support contact email for Alliance Credit Union Visa Signature College Real Rewards Card is talktous@alliancecu.com.

Does Alliance Credit Union Visa Signature College Real Rewards Card report your account activity to credit bureaus?

Yes, Alliance Credit Union Visa Signature College Real Rewards 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 Signature College Real Rewards Card

  • Visit the Alliance Credit Union Visa Signature College Real Rewards 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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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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
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%
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 500 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 2,500
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 Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 15.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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