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  Alliant Credit Union Visa Signature Card

Alliant Credit Union Visa Signature Card

in Personal Credit Cards from Alliant Credit Union

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Alliant Credit Union Visa Signature Card

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in Personal Credit Cards from Alliant Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 11.99% - 14.99%
Credit Score Range 700 - 850
Annual Fee $99
Purchase APR  (Variable APR) 11.99% - 14.99%
Rewards Rates Every Purchase

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.

Does Alliant Credit Union Visa Signature Card have an introductory APR offer on balance transfers?

No, Alliant Credit Union Visa Signature Card does not come with an introductory APR offer for balance transfers.

Does Alliant Credit Union Visa Signature Card have an introductory APR offer on new purchases?

Alliant Credit Union Visa Signature Card does not offer an introductory rate on new purchases.
Alliant Credit Union Visa Signature Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 have a foreign transaction fee?

Alliant Credit Union Visa Signature Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

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...

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

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Annual Fee First Year  
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
Annual Fee $99
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 Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 19.99%
Balance Computation Average Daily Balance, which includes new purchases, cash advances, and balance transfers.
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 11.99% - 14.99%
Balance Transfer APR (Variable APR) 11.99% - 14.99%
Balance Transfer Fee % 3%

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Alliant Credit Union Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

Alliant Credit Union Platinum Rewards Card
Balance Transfer APR 14.99% - 24.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.99% - 24.99%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Every Purchase
Alliant Credit Union Visa Platinum Card
Balance Transfer APR 10.99% - 22.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.99% - 24.99%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates