Alltru Credit Union Signature Rewards Visa Review

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

• Signup bonus. Offers a signup bonus of 15000 points after spending $1,500 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Alltru Credit Union Signature Rewards Visa has a variable purchase APR that ranges from 9.99% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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, if you transfer the balance within 0 day of opening the account. 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

The Good

The Bad

Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 3.99%. No balance transfer fee, if you transfer the balance within 0 day. After the intro period, the fee is 0% with a minimum of $0. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Cardholders can earn rewards on purchases everywhere Alltru Credit Union Signature Rewards Visa is accepted. Alltru Credit Union Signature Rewards Visa reports to multiple credit bureaus.

Charges a foreign transaction fee of 1%. Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.

Is there a Alltru Credit Union Signature Rewards Visa cash back or rewards program?

Alltru Credit Union Signature Rewards Visa offers a rewards program to its customers.

Alltru Credit Union Signature Rewards Visa Rewards

Minimum rewards rate	1x
Max rewards rate	1x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	15000
Signup Bonus Spend Requirement	$1500
Signup Bonus Spend Period (months)	3 months

What are the Alltru Credit Union Signature Rewards Visa benefits?

Alltru Credit Union Signature Rewards Visa provides the following benefits:

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

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

Alltru Credit Union Signature Rewards Visa has a variable purchase APR that ranges from 9.99% 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 12.99% 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 Signature Rewards Visa?

The following fees apply to Alltru Credit Union Signature Rewards Visa:

Alltru Credit Union Signature Rewards Visa Fees

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

Does Alltru Credit Union Signature Rewards Visa report your account activity to credit bureaus?

Yes, Alltru Credit Union Signature Rewards 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 Signature Rewards Visa

• Visit the Alltru Credit Union Signature Rewards 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.