MoneyGeek’s Take
Alliant Visa® Platinum Credit Card Review
The Alliant Visa® Platinum Credit Card is an excellent option for borrowers who want to consolidate their high-interest credit card debt by transferring a balance from another card. This card offers an introductory APR of as low as 0% on balance transfers and purchases for the first 12 months.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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.
>>MORE: ALLIANT MEMBERSHIP REQUIREMENTS: HOW TO BECOME AN ALLIANT MEMBER

Card Details to Know Up Front
- Bonus, Fee or FeatureHas or Not
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Has Rewarding Welcome Offer
- Recommended CreditGood–Excellent
Alliant Visa® Platinum Credit Card at a Glance
In addition to the 0% introductory APR on purchases and balance transfers, the Alliant Credit Union Visa Platinum card also offers perks like roadside dispatch, rental car insurance and 24/7 customer support. It even comes with an EMV chip, enhancing its security and protecting against unauthorized use.
- Alliant Visa® Platinum Credit Card
A good no-annual-fee credit card with an intro 0% APR offer
- Good–ExcellentRecommended Credit
- 13.24% – 25.24% VariableAPR
- $0Annual Fee
- 12 monthsAPR Offer Duration
- 12 monthsBalance Transfer Duration
Pros & Cons Explained
MoneyGeek evaluated the pros and cons of the Alliant Visa® Platinum Credit Card to help you compare its features with other cards and decide if it’s worth applying for.
Pros
- BenefitsDescription
- Introductory APRThis card offers an introductory 0% APR on purchases and balance transfers for the first 12 months, which can be beneficial if you want to make big purchases or transfer a balance from another card.
- Fraud liability guaranteeThe $0 fraud liability guarantee that comes with this card protects you in case someone uses it to make unauthorized purchases.
- $0 annual feeWith this card, you don’t have to pay an annual fee. This feature can help you save money on extra fees and charges.
Cons
- DrawbacksDescription
- High foreign transaction feeThis card charges a foreign transaction fee of 2% on every transaction, so it’s not the best option for people who frequently travel internationally.
- No rewards programSince this card does not come with a rewards program, it’s not a good option for consumers looking to earn points or cash back rewards on purchases.
MoneyGeek did not feature the Alliant Visa® Platinum Credit Card in our roundup of the best balance transfer credit cards in 2022. You can look over the list to explore other options and see if any different card will better suit your needs.
Other Features Explained
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.
- Card FeatureDescription
- EMV chipThe Alliant Visa® Platinum Credit Card comes with an EMV chip, which significantly reduces the risk of unauthorized transactions. A study showed that EMV chip cards helped reduce counterfeit fraud by 87%.
- Roadside dispatch serviceThis card offers Visa’s roadside dispatch service, a pay-per-use service that can help you if your car breaks down.
- Auto rental collision damage waiverThe Alliant Visa® Platinum Credit Card’s auto rental collision damage waiver covers your rental vehicles and provides reimbursement in case of theft, loss or damage. This can avoid spending money on rental car insurance.
You can take advantage of Alliant Visa® Platinum Credit Card’s 0% introductory APR offer by financing an upcoming large purchase. However, make sure that you’ll be able to pay it off before the offer period is over so that you don’t get hit with high interest costs.
Understanding the Fine Print
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.
- Card FeatureAmount or Rate
- APR13.24% – 25.24% Variable
- Annual Fee$0
- Balance Transfer Fee2%
- Balance Transfer APR13.24% – 25.24% Variable
- Late Fees$27
Regular APR
After the introductory APR period is over, the Alliant Visa® Platinum Credit Card will charge you a regular variable APR of 14.49% – 26.49% 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.
The best resource for this information is your credit card issuer’s website, mobile app, your latest billing statement or the credit card agreement database maintained by the Consumer Financial Protection Bureau.
Who Should & Shouldn’t Consider Alliant Visa® Platinum Credit Card?
Other Considerations for Alliant Visa® Platinum Credit Card
When making the final decision about applying for the Alliant Visa® Platinum Credit Card, MoneyGeek recommends that you keep the following considerations in mind.
Things to Consider if This Will Be Your First or Only Credit Card
If the Alliant Visa® Platinum Credit Card is your first or only credit card, you won’t earn any rewards on your spending. However, you can take advantage of its introductory APR offer by financing large purchases and paying off the balance before the offer ends.
It’s important to pay off your balance in full every month with this card, as it charges a variable APR of 14.49% – 26.49% once the introductory period is over.
Things to Consider if This Will Be an Additional Card in Your Wallet
As an additional card in your wallet, you can benefit from Alliant Visa® Platinum Credit Card’s introductory APR offer by transferring your balance from other credit cards and consolidating your debt. It’s advisable to use a different card for daily use since this card does not offer any points or cash back rewards.
Also, this card isn’t a great option to use when traveling internationally since it charges a high foreign transaction fee. Opt to use a different card in your wallet that charges no fees for these types of transactions.
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.
How Alliant Visa® Platinum Credit Card Compares to Other Cards
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.
Quick Comparison of Alliant Visa® Platinum Credit Card
Alliant Visa® Platinum Credit Card
- Annual fee: $0
- Purchase APR: 14.49% – 26.49% variable
- International transaction fee: 2% on each transaction
- Rewards rate: No rewards offered
- Best for: Individuals looking to consolidate credit card debt and finance large purchases.
Wells Fargo Platinum Card
- Annual fee: $0
- Purchase APR: 16.49% - 24.49%
- International transaction fee: 3% on each transaction
- Rewards rate: No rewards offered
- Best for: People looking for intro APR on balance transfers and benefits like cell phone protection.
Other Helpful Decision-Making Q&As
MoneyGeek researched the following frequently asked questions about the Alliant Visa® Platinum Credit Card to help you make a better decision about whether or not you should apply for it.
Still not sure about this card? Consider these options.
While the Alliant Visa® Platinum Credit Card is an excellent option for those looking to consolidate their high-interest debts or finance large purchases, you can also look at the best rewards credit cards if you’d prefer a credit card that offers rewards. You could also look at the best credit cards for people with average credit.
The Blue Business® Plus Credit Card from American Express
American Express Cash Magnet® Card
American Express® Gold Card
Marriott Bonvoy Business® American Express® Card
Journey Student Rewards from Capital One
Capital One Platinum Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One Spark Cash Plus
Chase Freedom® Student Credit Card
Chase Freedom Unlimited®
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Chase Sapphire Preferred® Card
World of Hyatt Credit Card
Citi® Diamond Preferred® Card
Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa® for Rebuilding Credit
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Visa® Platinum Card
American Express Blue Business Cash™ Card
Blue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express
American Express® Business Gold Card
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum American Express Card
Capital One SavorOne Cash Rewards Credit Card
Capital One Spark Cash Select - $500 Cash Bonus
Capital One Spark Miles for Business
Capital One Venture Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Aer Lingus Visa Signature®
British Airways Visa Signature® Card
Chase Freedom Flex℠
Iberia Visa Signature® Card
IHG® Rewards Premier Credit Card
IHG® Rewards Traveler Credit Card
Ink Business Preferred® Credit Card
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Boundless® Credit Card
Chase Sapphire Reserve® Card
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Premier Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Costco Anywhere Visa® Business Card by Citi
Costco Anywhere Visa® Card by Citi
Citi® Double Cash Card
United℠ Business Card
United Club℠ Infinite Card
United℠ Explorer Card
United Gateway℠ Card
Citi® / AAdvantage® Executive World Elite Mastercard®
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
American Airlines AAdvantage® MileUp® Card
Citi Premier® Card
Citi Rewards+® Card
Citi® Secured Mastercard®
Credit One Bank® Platinum X5 Visa®
The Business Platinum Card® from American Express
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve American Express Card
The Hilton Honors American Express Business Card
Hilton Honors American Express Card
Hilton Honors American Express Surpass® Card
Capital One QuicksilverOne Cash Rewards Credit Card
Marriott Bonvoy Brilliant™ American Express® Card
The Plum Card® from American Express
The Platinum Card® from American Express
Credit One Bank® NASCAR® American Express® Credit Card
Southwest Rapid Rewards® Priority Credit Card
United Quest℠ Card
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Bank of America® Customized Cash Rewards Card for Students
Bank of America® Travel Rewards Credit Card for Students
Navy Federal Credit Union Visa Signature cashRewards Card
Navy Federal More Rewards American Express card
Navy Federal Credit Union Visa Signature Flagship Rewards card
Platinum Rewards Visa Signature® Card
PenFed Pathfinder® Rewards Visa Signature® Card
Power Cash Rewards Visa Signature® Card
Citi Custom Cash℠ Card
Citi Simplicity® Card
U.S. Bank Altitude® Connect Visa Signature® Card
Discontinued
Capital One Venture X Rewards Credit Card
Spark 1.5% Cash Select
Chase Slate Edge℠
Amazon Prime Rewards Visa Signature Card
World of Hyatt Business Credit Card
Chime Credit Builder Secured Visa® Credit Card
U.S. Bank Triple Cash Rewards Visa® Business Card
OpenSky® Secured Visa® Credit Card
First Access Solid Black Visa® Credit Card
Fit Mastercard® Credit Card
Milestone® Gold Mastercard®
Milestone® Unsecured Mastercard®
Discover it® Secured Credit Card
Discover it® Student Cash Back Credit Card
Discover it® Student chrome
Amazon Business Card
Discover it® chrome Credit Card
Discover it® Miles
NHL® Discover it®
Capital One Walmart Rewards® Mastercard®
Capital One® Spark® Miles Select for Business
Wells Fargo Business Secured Credit Card
West Elm Key Rewards Credit Card
Bank of America® Premium Rewards® credit card
Bank of America® Unlimited Cash Rewards Credit Card for Students
Bank of America® Customized Cash Rewards Credit Card
Bank of America® Travel Rewards credit card
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BankAmericard® Secured Credit Card
Bank of America® Platinum Plus® Mastercard® Business card
BankAmericard® credit card
Bank of America® Customized Cash Rewards Secured Card
BankAmericard® Credit Card for Students
Capital One® Spark® Classic for Business
USAA® Rate Advantage Visa Platinum® Card
USAA® Cashback Rewards Plus American Express® Card
USAA® Preferred Cash Rewards Visa Signature® Card
Deserve® EDU Mastercard for Students
Mastercard® Black Card™
Mastercard® Titanium Card™
Simmons Rewards Visa Signature®
Simmons Visa®
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Capital One Platinum Secured Credit Card
Destiny® Mastercard®
Indigo® Platinum Mastercard®
Indigo Mastercard
Mastercard® Gold Card™
Merrick Bank Double Your Line® Secured Credit Card
Merrick Bank Secured Credit Card
Upgrade Bitcoin Rewards
Wells Fargo Active Cash® Card
Wells Fargo Reflect® Card
Alliant Visa® Platinum Credit Card
OakStone Gold Secured Mastercard®
Disney® Visa® Card from Chase
USAA® Rewards™ American Express® Card
USAA® Rewards™ Visa Signature® Card
Disney® Premier Visa® Card
Wells Fargo Business Platinum Credit Card
Alliant Visa Signature Card
Learn more about credit cards in general
sources
- Alliant. "Visa Platinum Card FAQs." Accessed April 11, 2022.
- Alliant. "Visa Platinum Card Features." Accessed April 11, 2022.
- Alliant. "Visa Platinum Card Rates." Accessed April 11, 2022.
- Visa. "Visa EMV chip cards help reduce counterfeit fraud by 87 percent." Accessed April 11, 2022.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more aboutour editorial policies andexpert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.