Alliance Credit Union Visa Signature Real Rewards Card

Alliance Credit Union Visa Signature Real Rewards Card Review

This is a rewards card issued by Alliance Credit Union. If you're wondering whether Alliance Credit Union Visa Signature Real Rewards 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 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 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 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, 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 Signature Real Rewards Card

Alliance Credit Union Visa Signature Real Rewards Card FAQ

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

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

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

Alliance Credit Union Visa Signature Real Rewards Card 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% .

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

The following fees apply:

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 Real Rewards Card report your account activity to credit bureaus?

Yes, Alliance Credit Union Visa Signature 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 Real Rewards Card

• Visit the Alliance Credit Union Visa Signature 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.