Alltru Credit Union Premier Low Rate Visa
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| Purchase APR (Variable APR) |
9.49% - 18.00% (Verified 09/05/2022) |
| Balance Transfer APR (Variable APR) |
12.49% - 18.00% (Verified 09/05/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Alltru Credit Union Premier Low Rate Visa Review
This is a credit card issued by Alltru Credit Union. If you're wondering whether Alltru Credit Union Premier Low Rate Visa is the right card for you, read on.
Key Takeaways
- Competitive APRs. Alltru Credit Union Premier Low Rate Visa has a variable purchase APR that ranges from 9.49% up to 18.00%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Alltru Credit Union Premier Low Rate Visa
| The Good | The Bad |
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Alltru Credit Union Premier Low Rate Visa FAQ
Does Alltru Credit Union Premier Low Rate Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Alltru Credit Union Premier Low Rate Visa benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Alltru Credit Union Premier Low Rate Visa?
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.Alltru Credit Union Premier Low Rate Visa has a variable purchase APR that ranges from 9.49% up to 18.00%. The card has a variable balance transfer APR that ranges from 12.49% up to 18.00%. It also has a variable cash advance APR that ranges from 12.49% up to 18.00%. Note that late payments are subject to an APR of 18.00% 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 Alltru Credit Union Premier Low Rate Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 3.99% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 0% |
| Balance Transfer Introductory APR | 3.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 12.49% - 18.00% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Alltru Credit Union Premier Low Rate Visa have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Alltru Credit Union Premier Low Rate Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $27 |
| Late Payment Fee | up to $18 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Alltru Credit Union Premier Low Rate Visa have a foreign transaction fee?
Alltru Credit Union Premier Low Rate Visa charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Alltru Credit Union Premier Low Rate Visa?
The Alltru Credit Union Premier Low Rate Visa customer service number is (800) 288-7618.
What is the support contact email for Alltru Credit Union Premier Low Rate Visa?
The support contact email for Alltru Credit Union Premier Low Rate Visa is contactus@alltrucu.org.
What is the Alltru Credit Union Premier Low Rate Visa login page?
You can access the Alltru Credit Union Premier Low Rate Visa login page here.
How do people rate the customer service and user experience of Alltru Credit Union Premier Low Rate Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alltru Credit Union Premier Low Rate Visa report your account activity to credit bureaus?
Yes, Alltru Credit Union Premier Low Rate Visa 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 Alltru Credit Union Premier Low Rate Visa
- Visit the Alltru Credit Union Premier Low Rate Visa 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
-
1232 Wentzville Parkway
Wentzville, MO 63385 USA - (800) 288-7618
- Visit Site
- Email Support
About Alltru Credit Union Premier Low Rate Visa
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 2% |
| Minimum Cash Advance Fee ($) | $10 - $25 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $27 |
| Late Fee Amount | Up to $18 |
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