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$0
Annual fee
0%
Intro purchase APR
for the first 12 months (then 10.24% to 22.24% variable)
0%
Intro balance transfer
for the first 12 months (then 10.24% to 22.24% variable)
10.24% to 22.24%
Balance transfer APR (variable)
Review by
Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.
If you’re troubled by credit card debt and are paying double-digit interest, you’ll like Alliant Visa® Platinum Card’s intro APR: 0% for the first year. Go ahead and transfer a balance, and pay no fees or interest for the first year. All of this, with no annual fee, the Alliant Visa® Platinum Card is a solid card to help you get out of credit card debt.
1. On the Alliant Visa® Platinum Card website, click Apply Now.
2. Complete the application with the required personal and financial information.
3. Verify the information and submit your application.
It can be almost impossible to get out of credit card debt with high APRs and annual fees. Alliant Visa® Platinum Card makes transferring balances easy and affordable. And because they’re a credit union, you’ll benefit from a low 10.24% to 22.24% APR after the introductory period. However, if you need a card with no foreign transaction fees, or cashback or rewards, other Alliant credit cards might work better.
Alliant Visa® Platinum Rewards Card | Alliant Cashback Visa® Signature Credit Card | Alliant Visa® Platinum Card | |
---|---|---|---|
Annual fee | $0 | $0 for the first year, $99 thereafter | $0 |
Intro APR | 0%–5.99% variable for 12 months; variable thereafter | None | 0%–5.99% variable for 12 months; 10.24% to 22.24% variable thereafter |
Balance transfer fee | None, unless associated with a promo offer | 3% of the transferred amount | None, unless associated with a promo offer |
Cashback/Rewards | 5,000 points after spending $500 in the first 90 days | 2.5% cash back with no categories to track | None |
Foreign transaction fee | 2% of each transaction in US dollars | None | 2% of each transaction in US dollars |
Finding the best Alliant Credit Union card for you will depend on how much you spend and what you’re willing to pay in fees. While you can find a no-annual-fee card, Alliant credit union also provides cash back and rewards cards.
Annual fee. The Alliant Cashback Visa® Signature Credit Card waives the $99 annual fee the first year, compared to the Alliant Visa® Platinum Card and Alliant Visa® Platinum Rewards Card that have no annual fees.
Cashback and rewards. While the Alliant Cashback Visa® Signature Credit Card offers cash back on all purchases, the Alliant Visa® Platinum Rewards Card lets you redeem points for travel rewards, merchandise, gift cards or cash back. The Alliant Visa® Platinum Card doesn’t come with cash back or rewards.
Balance transfers. The Alliant Visa® Platinum Card and Alliant Visa® Platinum Rewards Card come with intro APR offers on balance transfers for 12 months, and you won’t pay a transfer fee. You’ll pay a fee for balance transfers with the Alliant Cashback Visa® Signature Credit Card.
Alliant informs you of your application’s status almost as soon as you submit it online.
You’re more likely to be approved with a credit score of 680 or higher.
Figuring out what credit card you want is unique for each situation. When making credit card comparisons, hone in on whether you want a card for balance transfers, rewards, 0% intro APR or a card with no annual fee so you can get the product that makes the most sense for your lifestyle.