Alliance CU Visa Signature® Everyday Rewards+ Card

Alliance CU Visa Signature® Everyday Rewards+ Card Review

This is a rewards card issued by Alliance Credit Union. If you're wondering whether Alliance CU Everyday 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.
• $200 bonus (20,000 points) after $1,000 in eligible net purchases are made within the first 120 days of account opening.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 27.49%.
• 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 CU Visa Signature® Everyday 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 2% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Alliance CU Everyday Rewards Card

Alliance CU Everyday Rewards Card FAQ

Does Alliance CU Everyday Rewards Card have a cash back or rewards program?

Alliance CU Everyday Rewards Card is a rewards card.

What are the Alliance CU Everyday Rewards Card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Alliance CU Everyday Rewards Card?

Alliance CU Visa Signature® Everyday Rewards+ Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Alliance CU Everyday Rewards Card?

The following fees apply:

• There is no overlimit fee

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 CU Visa Signature® Everyday Rewards+ Card report your account activity to credit bureaus?

Yes, Alliance CU Visa Signature® Everyday 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 CU Everyday Rewards Card

• Visit the Alliance CU Everyday 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.