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- Alliant Visa® Platinum Credit Card
A good no-annual-fee credit card with an intro 0% APR offer
- 0% Intro APR (then variable APR)Balance Transfer Offer
- 12 monthsBalance Transfer Duration
- 15.24% – 27.24% VariableAPR
- $5 or 2%, whichever is greaterBalance Transfer Fee
- Good–ExcellentRecommended Credit
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.
>>MORE: ALLIANT MEMBERSHIP REQUIREMENTS: HOW TO BECOME AN ALLIANT MEMBER
Alliant Visa® Platinum Credit Card Overview
Quick Take
- No annual fees
- Intro 0% APR for 12 months on purchases and balance transfers, then a variable APR of 15.24% – 27.24% after that
- Competitive standard APRs
- Works with Apple Pay, Google Pay and Samsung Pay
- ID Navigator by NortonLifeLock protects against identity theft
- Complimentary roadside dispatch and auto rental collision damage waiver
- $0 fraud liability guarantee
- 24/7 customer support
Important Card Details
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 15.24% – 27.24% 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.
Additional Benefits
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.
- EMV chip: The 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 service: This 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 waiver: The 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.
- Debt protection plan: Alliant offers debt protection, which may help cancel an outstanding credit card debt in case of death, disability or unemployment.
- Online account management: You can use Alliant’s mobile banking app and website to make payments, view transaction history and more.
How the 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.
How the Alliant Visa® Platinum Credit Card Compares
Alliant Visa® Platinum Credit Card
- Annual fee: $0
- Purchase APR: 15.24% – 27.24% 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.
Frequently Asked Questions
sources
- Alliant. "Visa Platinum Card FAQs." Accessed April 11, 2022.
- Alliant. "Visa Platinum Card FAQs." Accessed April 11, 2022.
- Alliant. "Visa Platinum Card Features." Accessed April 11, 2022.
- Visa. "Visa EMV chip cards help reduce counterfeit fraud by 87 percent." Accessed April 11, 2022.
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