Last Updated: 07/28/2025
Alltru Credit Union Signature Rewards Visa
Unaffiliated
from Alltru Credit Union
Last Updated: 07/28/2025
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
9.99% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.99% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Alltru Credit Union Signature Rewards Visa Review
This is a rewards 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.
Key Takeaways
- Welcome offer. Offers a signup bonus of 15000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Alltru Credit Union Signature Rewards Visa has a variable regular 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 up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, 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 odds if you have a fair credit score or better.
Pros & Cons of Alltru Credit Union Signature Rewards Visa
| The Good | The Bad |
|
|
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.
| Description |
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 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?
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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular 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.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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 3.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 0 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10.00 - $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $18 . Does Alltru Credit Union Signature Rewards Visa have a foreign transaction fee?
Alltru Credit Union Signature Rewards Visa charges a foreign transaction fee of up to 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 customer service number for Alltru Credit Union Signature Rewards Visa is (800) 288-7618.
What is the support contact email for Alltru Credit Union Signature Rewards Visa?
The support contact email for Alltru Credit Union Signature Rewards Visa is contactus@alltrucu.org.
How do people rate the customer service and user experience of Alltru Credit Union Signature Rewards Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alltru Credit Union Signature Rewards Visa report your account activity to credit bureaus?
Yes, Alltru Credit Union Signature Rewards Visa reports to the following credit bureaus:
- 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 build your credit.
Does Alltru Credit Union perform a hard credit pull?
Yes, Alltru Credit Union Signature Rewards Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Alltru Credit Union Signature Rewards Visa
- Visit the website of Alltru Credit Union Signature Rewards Visa.
- 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.
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
Other Services by Alltru Credit Union
Other Credit Cards from Alltru Credit Union
Rating not yet determined
Purchase APR
15.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
350 - 600
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
17.49%
Disclaimer popup with additional information
Balance Transfer APR
0%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
9.49% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
12.49% - 18.00%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
Alltru Credit Union Signature Rewards Visa Community Reviews
Would you recommend Alltru Credit Union Signature Rewards Visa to your friends?
DD
Diane D.
Jan 15, 2021
May or may not recommend
When I started college my mother recommends this card and company because they’re legitimate. So I signed up with my college account. They were great, but we didn’t know there was an annual fee. I guess she nor I did further research on this card. This wasn’t advertised during the enrolment process. Big mistake! I mean major because there are many card companies that do not charged annual fee. Plus, ...Show More
Showing 1 of 1 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
