SuperMoney
  Alliant Credit Union Visa® Platinum Credit Card

Alliant Credit Union Visa® Platinum Credit Card

in Personal Credit Cards from Alliant Credit Union

Unaffiliated

Alliant Credit Union Visa® Platinum Credit Card

Unaffiliated

in Personal Credit Cards from Alliant Credit Union

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote

Would you recommend Alliant Credit Union Visa® Platinum Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 10.24% - 22.24%
Balance Transfer APR  (Variable APR) 10.24% - 22.24%
Credit Score Range 700 - 850
Annual Fee $0

Alliant Credit Union Visa® Platinum Credit Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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.
Pros & Cons of Alliant Credit Union Visa® Platinum Credit Card
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.
Alliant Credit Union Visa® Platinum Credit Card FAQ

Does Alliant Credit Union Visa® Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Alliant Credit Union Visa® Platinum 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 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. It has lower than average regular APRs.

It 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.

Does Alliant Credit Union Visa® Platinum 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.

Alliant Credit Union Visa® Platinum Credit Card Balance Transfers
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 10.24% - 22.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%

Does Alliant Credit Union Visa® Platinum Credit Card have an intro APR offer on new purchases?

Alliant Credit Union Visa® Platinum Credit Card Purchase Intro Offer
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 Credit Card?

The following fees apply:

  • 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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

Alliant Credit Union Visa® Platinum 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 customer service phone number for Alliant Credit Union Visa® Platinum Credit Card?

The Alliant Credit Union Visa® Platinum Credit Card customer service number is (800) 328-1935.

How do people rate the customer service and user experience of Alliant Credit Union Visa® Platinum Credit Card?

Overall, Alliant Credit Union Visa® Platinum Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

Other Services by Alliant Credit Union

Icon for Personal Credit Cards
View all personal credit cards offered by Alliant Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) 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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 19.24% - 24.24%
Balance Computation Average Daily Balance, which includes new purchases, cash advances, and balance transfers.
Credit Limit Starting at $1,000
Penalty APR (Variable APR) 25.24%
Purchase APR (Variable APR) 10.24% - 22.24%
Balance Transfer Fee % After Intro Period Starting at 2%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.24% - 22.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa

Alliant Credit Union Visa® Platinum Credit Card Community Reviews

 

Would you recommend Alliant Credit Union Visa® Platinum Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Personal Credit Cards

Alliant Credit Union Personal Credit Cards

Loading...