Alliant Credit Union Visa® Platinum Rewards Credit Card
Not enough votes for recommendation
Explore a similar product
Try this top product in Personal Credit Cards.
| Purchase APR (Variable APR) | 13.24% - 23.24% |
| Balance Transfer APR (Variable APR) | 13.24% - 23.24% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Alliant Credit Union Visa® Platinum Rewards Credit Card Review
This is a cashback credit card issued by Alliant Credit Union. If you're wondering whether Alliant Credit Union Visa® Platinum Rewards Credit 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.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- 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 Visa® Platinum Rewards Credit Card has a variable purchase APR that ranges from 13.24% up to 23.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 2% Balance transfer fee. Alliant Credit Union Visa® Platinum Rewards Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $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.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
| The Good | The Bad |
|---|---|
|
|
Does Alliant Credit Union Visa® Platinum Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.
| Minimum rewards rate | 2x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 5000 |
| Signup Bonus Spend Requirement | $500 |
| Signup Bonus Spend Period (months) | 3 months |
Does Alliant Credit Union Visa® Platinum Rewards Credit Card have a signup bonus?
This 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 Visa® Platinum Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Alliant Credit Union Visa® Platinum Rewards Credit Card benefits?
It 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 Visa® Platinum Rewards Credit 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. This card has lower than average regular APRs.Alliant Credit Union Visa® Platinum Rewards Credit Card has a variable purchase APR that ranges from 13.24% up to 23.24%. The card has a variable balance transfer APR that ranges from 13.24% up to 23.24%. It also has a variable cash advance APR that ranges from 18.24% up to 24.24%. Note that late payments are subject to an APR of 25.24% 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 Visa® Platinum Rewards Credit 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 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 2% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 13.24% - 23.24% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 2% |
Does Alliant Credit Union Visa® Platinum Rewards Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Alliant Credit Union Visa® Platinum Rewards Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $27 |
| Late Payment Fee | up to $27 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Alliant Credit Union Visa® Platinum Rewards Credit Card have a foreign transaction fee?
Alliant Credit Union Visa® Platinum Rewards Credit 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 foreign transaction fees.What is the support contact email for Alliant Credit Union Visa® Platinum Rewards Credit Card?
The support contact email for Alliant Credit Union Visa® Platinum Rewards Credit Card is chicu@alliantcreditunion.com.
How do people rate the customer service and user experience of Alliant Credit Union Visa® Platinum Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alliant Credit Union Visa® Platinum Rewards Credit Card report your account activity to credit bureaus?
Yes, Alliant Credit Union Visa® Platinum Rewards Credit 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 Alliant Credit Union Visa® Platinum Rewards Credit Card
- Visit the Alliant Credit Union Visa® Platinum Rewards Credit 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.
Contact
- Headquarters
-
11545 W Touhy Ave
Chicago, IL 60666 - Visit Site
- Email Support
Other Services by Alliant Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 12 months |
Be the first to rate
Would you recommend Alliant Credit Union Visa® Platinum Rewards Credit Card to your friends?
Other Personal Credit Cards
Alliant Credit Union Personal Credit Cards
- Arkansas Federal Credit Union Platinum Secure Mastercard®
- Athleta Visa Card
- BMO Harris Bank Premium Rewards Mastercard®
- Citizens National Bank World and Preferred Points Card
- City National Bank World and Preferred Points Card
- Community FCU Michigan Platinum Mastercard
- Credit Union 1of Alaska Secured Credit Card
- Lincoln Owner Credit Card
- Little Switzerland Credit Card
- Meritrust Credit Union Visa Share Secured
- Redwood Capital Bank Consumer World Mastercard®
- Sam Ash Credit Card
