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  Alliant Credit Union Platinum Rewards Card

Alliant Credit Union Platinum Rewards Card

in Personal Credit Cards from Alliant Credit Union

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Alliant Credit Union Platinum Rewards Card

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in Personal Credit Cards from Alliant Credit Union

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Highlights
Highlights
Purchase APR  (Variable APR) 14.99% - 24.99%
Balance Transfer APR  (Variable APR) 14.99% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0

Alliant Credit Union Platinum Rewards Card Review

Alliant Credit Union Platinum Rewards Card is a rewards credit card issued by Alliant Credit Union. If you're wondering whether Alliant Credit Union Platinum Rewards Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Signup bonus. Offers a signup bonus of 5000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Alliant Credit Union Platinum Rewards Card has a variable purchase APR that ranges from 14.99% up to 24.99%.
  • 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.
  • 2% Balance transfer fee. Alliant Credit Union Platinum Rewards Card charges a fee of up to 2% on balance transfers. For example, a balance of $1,000 could cost up to $20 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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Alliant Credit Union Platinum Rewards Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 5.99%.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Alliant Credit Union Platinum Rewards Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 2%.
  • Charges a 2% balance transfer fee.

Is there a Alliant Credit Union Platinum Rewards Card cash back or rewards program?

Alliant Credit Union Platinum Rewards Card offers a rewards program to its customers.

Alliant Credit Union Platinum Rewards Card Rewards
Rewards rate (all purchases) 2%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 5000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Alliant Credit Union Platinum Rewards Card have a signup bonus?

Alliant Credit Union Platinum Rewards Card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Alliant Credit Union Platinum Rewards Card offer an annual loyalty bonus?

Alliant Credit Union Platinum Rewards Card doesn't offer a cash loyalty bonus.

What are the Alliant Credit Union Platinum Rewards Card benefits?

Alliant Credit Union Platinum Rewards Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Alliant Credit Union Platinum Rewards 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. Alliant Credit Union Platinum Rewards Card has lower than average purchase APRs.

Alliant Credit Union Platinum Rewards Card has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%. It also has a variable cash advance APR that ranges from 19.99% up to 24.99%. Note that late payments are subject to an APR of 24.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Alliant Credit Union Platinum Rewards Card have an introductory APR offer on balance transfers?

Yes, Alliant Credit Union Platinum Rewards Card offers an introductory APR rate on balance transfers of 5.99% for a period of up to 12 months.

Alliant Credit Union Platinum Rewards Card Balance Transfers
Description
Balance Transfer APR 14.99% - 24.99%
Balance Transfer Introductory APR 5.99%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 2%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Alliant Credit Union Platinum Rewards Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 5.99% on qualified purchases for a period of up to 12 months.

Alliant Credit Union Platinum Rewards Card Purchase Intro Offer
Description
Introductory Rate 5.99%
Purchase Intro APR Period (months) 12

What are the fees for Alliant Credit Union Platinum Rewards Card?

The following fees apply to Alliant Credit Union Platinum Rewards Card:

Alliant Credit Union Platinum Rewards Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $27
Late Payment Fee up to $27

Does Alliant Credit Union Platinum Rewards Card have a foreign transaction fee?

Alliant Credit Union Platinum Rewards 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 a foreign transaction fee.

Does Alliant Credit Union Platinum Rewards Card report your account activity to credit bureaus?

Alliant Credit Union Platinum 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 can help improve your credit.

How to apply for Alliant Credit Union Platinum Rewards Card

  • Visit the Alliant Credit Union Platinum 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 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.

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.

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

Every Purchase (Points) Earn 2 reward points for every dollar spent.
Introductory Rate 5.99%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $1
Returned Payment Fee Up to $27
Late Fee Amount Up to $27
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 700 - 850
Card Type Rewards
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Emergency Support  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
Rewards Categories Every Purchase
Signup Bonus (points) 5,000
Rewards Type Points
Cash Advance APR (Variable APR) 19.99% - 24.99%
Balance Computation Average Daily Balance, which includes new purchases, cash advances, and balance transfers.
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 14.99% - 24.99%
Balance Transfer Introductory APR (Variable APR) 5.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%

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