Alliant Credit Union Visa Signature Card Review

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

Key takeaways:

• Earn 2.5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
• Competitive APRs. Alliant Credit Union Visa Signature Card has a variable purchase APR that ranges from 11.99% up to 14.99%.
• Annual fee waived the first year. Alliant Credit Union Visa Signature Card gives you the chance to have the card for a year without paying the $99 annual fee.
• 3% Balance transfer fee. Alliant Credit Union Visa Signature Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Alliant Credit Union Visa Signature Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. Annual fee waived during the first year. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance. No foreign transaction fee. Earn rewards on every purchase. Alliant Credit Union Visa Signature Card reports to multiple credit bureaus.	Requires good to excellent credit. Charges an annual fee of $99 Does not offer a signup bonus. Does not offer rewards or cash back. Charges a 3% balance transfer fee.

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

No, Alliant Credit Union Visa Signature Card does not offer a rewards program. Alliant Credit Union Visa Signature Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Alliant Credit Union Visa Signature Card you receive 2.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $25 back in cash.

What are the Alliant Credit Union Visa Signature Card benefits?

Alliant Credit Union Visa Signature Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

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

Alliant Credit Union Visa Signature Card has a variable purchase APR that ranges from 11.99% up to 14.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 14.99%. It also has a variable cash advance APR of 19.99% . 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.

What are the fees for Alliant Credit Union Visa Signature Card?

The following fees apply to Alliant Credit Union Visa Signature Card:

Alliant Credit Union Visa Signature Card Fees

Fees	Amount
Annual Fee	$99
Foreign Transaction Fee	0%
Returned Payment Fee	up to $27
Late Payment Fee	up to $27

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

Alliant Credit Union Visa Signature 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 score.

How to apply for Alliant Credit Union Visa Signature Card

• Visit the Alliant Credit Union Visa Signature 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.