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  Alltru Credit Union Signature Rewards Visa

Alltru Credit Union Signature Rewards Visa

in Personal Credit Cards from Alltru Credit Union

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Alltru Credit Union Signature Rewards Visa

Unaffiliated

in Personal Credit Cards from Alltru Credit Union

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 9.99% - 18%
Balance Transfer APR  (Variable APR) 12.99% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Alltru Credit Union Signature Rewards Visa Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 will have good approval oods if your credit score is above650.
Pros & Cons of Alltru Credit Union Signature Rewards Visa
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*.
Alltru Credit Union Signature Rewards Visa FAQ

Does Alltru Credit Union Signature Rewards Visa have a cash back or rewards program?

Alltru Credit Union Signature Rewards Visa is a rewards card.

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

Does Alltru Credit Union Signature Rewards Visa have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus after spending $1500 that can be redeemed for travel, gifts, or other perks.

Does Alltru Credit Union Signature Rewards Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Alltru Credit Union Signature Rewards Visa benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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.

Does Alltru Credit Union Signature Rewards 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.

Alltru Credit Union Signature Rewards Visa Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.99% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Alltru Credit Union Signature Rewards 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 Signature Rewards Visa?

The following fees apply:

Alltru Credit Union Signature Rewards Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $27
Late Payment Fee $18

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Alltru Credit Union Signature Rewards Visa have a foreign transaction fee?

Alltru Credit Union Signature Rewards 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 Signature Rewards Visa?

The Alltru Credit Union Signature Rewards Visa customer service number is (800) 288-7618.

How do people rate the customer service and user experience of Alltru Credit Union Signature Rewards Visa?

Overall, Alltru Credit Union Signature Rewards Visa is strongly not recommended based on community reviews that rate customer service and user experience.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

About Alltru Credit Union Signature Rewards Visa

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View all personal credit cards offered by Alltru Credit Union

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

Every Purchase (Points) Starting at 1
Every Purchase (Points) Earn one reward point for every dollar spent
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) $10.00 - $25.00
Foreign Currency Transaction Fee 1%
Returned Payment Fee $27
Late Fee Amount $18
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) 12.99% - 18%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 9.99% - 18%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.99% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Bonus Offers
Card Network Visa

Alltru Credit Union Signature Rewards Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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