Alliant Credit Union Visa® Platinum Credit Card Review

Alliant Credit Union Visa® Platinum Credit Card is a credit card issued by Alliant Credit Union. If you're wondering whether Alliant Credit Union Visa® Platinum Credit Card is the right card for you, read on. This is everything you need to know 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.
• Competitive APRs. Alliant Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 10.24% up to 22.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 2% Balance transfer fee. Alliant Credit Union Visa® Platinum 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
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Alliant Credit Union Visa® Platinum Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 2%. You don't earn rewards on every purchase. Charges a 2% balance transfer fee.

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

No, Alliant Credit Union Visa® Platinum Credit Card does not offer a rewards program.

What are the Alliant Credit Union Visa® Platinum Credit Card benefits?

Alliant Credit Union Visa® Platinum Credit 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 Visa® Platinum Credit 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 Visa® Platinum Credit Card has lower than average purchase APRs.

Alliant Credit Union Visa® Platinum Credit Card has a variable purchase APR that ranges from 10.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 10.24% up to 22.24%. It also has a variable cash advance APR that ranges from 19.24% 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.

What are the fees for Alliant Credit Union Visa® Platinum Credit Card?

The following fees apply to Alliant Credit Union Visa® Platinum Credit Card:

• There is no overlimit fee

Alliant Credit Union Visa® Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	2%
Returned Payment Fee	up to $27
Late Payment Fee	up to $27

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

Yes, Alliant Credit Union Visa® Platinum 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 Credit Card

• Visit the Alliant Credit Union Visa® Platinum 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.