Last Updated: 07/28/2025
USAlliance Financial Visa Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.99% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
13.99% - 18.00%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0
USAlliance Financial Visa Classic Credit Card Review
This is a card issued by USAlliance Federal Credit Union. If you're wondering whether USAlliance Financial Visa Classic Credit Card is the right card for you, read on.
Key Takeaways
- APRs: USAlliance Financial Visa Classic Credit Card has a variable regular purchase APR that ranges from 13.99% 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.
- A 3% balance transfer fee. USAlliance Financial Visa Classic Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, 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 USAlliance Financial Visa Classic Credit Card
| The Good | The Bad |
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USAlliance Financial Visa Classic Credit Card FAQ
Does USAlliance Financial Visa Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAlliance Financial Visa Classic Credit Card?
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.USAlliance Financial Visa Classic Credit Card has a variable purchase APR that ranges from 13.99% up to 18.00%. The card has a variable balance transfer APR that ranges from 13.99% up to 18.00%. It also has a variable cash advance APR that ranges from 13.99% up to 18.00%.
Does USAlliance Financial Visa Classic Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAlliance Financial Visa Classic Credit Card 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 USAlliance Financial Visa Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for USAlliance Financial Visa Classic Credit Card?
The customer service number for USAlliance Financial Visa Classic Credit Card is (800) 431-2754.
What is the support contact email for USAlliance Financial Visa Classic Credit Card?
The support contact email for USAlliance Financial Visa Classic Credit Card is memberservices@usalliance.org.
What is the login page for USAlliance Financial Visa Classic Credit Card?
You can access the login page of USAlliance Financial Visa Classic Credit Card here.
How do people rate the customer service and user experience of USAlliance Financial Visa Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAlliance Financial Visa Classic Credit Card report your account activity to credit bureaus?
Yes, USAlliance Financial Visa Classic Credit Card 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 USAlliance Federal Credit Union perform a hard credit pull?
Yes, USAlliance Financial Visa Classic Credit Card 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 USAlliance Financial Visa Classic Credit Card
- Visit the website of USAlliance Financial Visa Classic Credit Card.
- 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.
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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
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:45AM - 4:30PM
Tuesday
8:45AM - 4:30PM
Wednesday
8:45AM - 4:30PM
Thursday
8:45AM - 4:30PM
Friday
8:45AM - 4:30PM
Saturday
9:00AM - 2:00PM