Updated: June 13, 2024
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At MoneyGeek, we follow a six-step process to review credit cards. Our methodology involves collecting credit card information, standardizing data points, analyzing potential cardholder profiles, considering annual and introductory bonuses, establishing the card values and reviewing data monthly to reprocess rankings.
The Alliant Visa® Platinum Credit Card can help you consolidate high-interest credit card debt and finance any upcoming large purchases. It charges a $0 annual fee and offers a $0 fraud liability guarantee. Plus, this card offers low standard APRs and generous lines of credit.
MoneyGeek’s Alliant Visa® Platinum Credit Card review will help you understand the features of this card and decide if it’s the best fit for your needs.
MoneyGeek explained the fine print of the Alliant Visa® Platinum Credit Card to help you get an idea of various fees and charges associated with it.
Regular APR
After the introductory APR period is over, the Alliant Visa® Platinum Credit Card will charge you a regular variable APR of 15.49%–27.49% on purchases.
Balance transfer fee
When you transfer your balance from another card, you will have to pay a balance transfer fee of $5 or 2% of each transfer, whichever is greater.
Foreign transaction fee
If you use this card while traveling internationally, you have to pay 2% of each transaction as a foreign transaction fee.
Annual fee
This card charges a $0 annual fee.
Late payment fee
With this card, you have to pay up to $27 in late payment fees if you fail to make the payment by the due date.
Understanding the Alliant Visa® Platinum Credit Card’s benefits and key features will help you decide if this card could be a valuable addition to your wallet.
The Alliant Visa® Platinum Credit Card compares well against other cards of the same category due to its intro APR offer on balance transfers and purchases, no annual fee and benefits like roadside assistance and rental car insurance. However, other cards may offer an introductory APR for a longer period of time as well as some additional benefits.
Alliant Visa® Platinum Credit Card
Wells Fargo Platinum Card
The Alliant Credit Union requires borrowers to have a fair to good credit score to get approval for their Visa Platinum Card.
Yes, the Alliant Visa® Platinum Credit Card reports to all three credit bureaus.
After Alliant Credit Union approves your application, it usually takes 14–21 days to receive your card. You cannot pre-qualify online.
The Alliant Credit Union requires your personal information like your Social Security number, name, date of birth, contact information and financial information when you complete the Alliant Visa® Platinum Credit Card application.
Yes, the Alliant Visa® Platinum Credit Card offers good customer service and helpful information on its website.
Yes, Alliant Visa® Platinum Credit Card offers a mobile app that lets you make payments, view card history and manage your account online.
Alliant Credit Union requires you to contact their customer support to raise your credit limit.
Yes, Alliant Credit Union allows you to freeze your account in case of fraud or unauthorized transactions.
Yes, the Alliant Credit Union offers Alliant Visa Signature Card in addition to the Visa Platinum Card.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
