Alltru Credit Union Premier Low Rate Visa Review

Alltru Credit Union Premier Low Rate Visa 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. This is everything you need to know to make a good choice.

• Competitive APRs. Alltru Credit Union Premier Low Rate Visa has a variable purchase APR that ranges from 7.99% up to 18%.
• 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 stand a chance of qualifying if your credit score is not below 600.

The Good	The Bad
Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 3.99%. No balance transfer fee. No annual fee. Offers auto rental collision damage waiver. Identity Theft Protection. Considers applicants with fair or poor credit. Alltru Credit Union Premier Low Rate Visa reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Is there a Alltru Credit Union Premier Low Rate Visa cash back or rewards program?

No, Alltru Credit Union Premier Low Rate Visa does not offer a rewards program.

What are the Alltru Credit Union Premier Low Rate Visa benefits?

Alltru Credit Union Premier Low Rate Visa 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Alltru Credit Union Premier Low Rate Visa has lower than average purchase APRs.

Alltru Credit Union Premier Low Rate Visa has a variable purchase APR that ranges from 7.99% up to 18%. The card has a variable balance transfer APR that ranges from 12.99% up to 18%. It also has a variable cash advance APR that ranges from 10.99% up to 18%. Note that late payments are subject to an APR of 18% 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 Alltru Credit Union Premier Low Rate Visa?

The following fees apply to Alltru Credit Union Premier Low Rate Visa:

Alltru Credit Union Premier Low Rate Visa Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $27
Late Payment Fee	up to $18

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.