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FEES

FAQS

REVIEWS

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The Run Down

As low as 0% introductory rate for 12 months  (After the introductory period, a low standard variable rate

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applies, ranging from 10.24%–22.24%)

Great for balance transfers

$0 fraud liability guarantee

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No annual fee

Generous credit lines

Low standard APRs

EMV chip for enhanced security

Works with Android Pay™, Apple Pay™ and Samsung Pay™ 

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No balance transfer fee (unless associated with a promotional offer)

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Rates

0 

Earn 1.25% APY on your savings!

Grow your savings faster with Alliant's higher savings rate.

Learn more now 

"Best No-Fee Credit Union 2016" - MyBankTracker

"Best Credit Unions 2017" - NerdWallet

"9 Best 0% APR Credit Card Offer" - Magnify Money

% APRIntroductory Rate$0 liability on fraudulent charges

With the $0 fraud liability feature , you never pay for unauthorized charges on your credit card.

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See our security center to learn more why you are safe with Alliant.

Greater security

All Alliant Visa® credit cards come equipped with EMV chip technology. Enjoy global acceptance and
enhanced security when you use your credit card domestically and internationally at merchants with

terminals that are chip enabled.

In addition to the EMV chip, Alliant credit cards will retain their magnetic stripe, giving you ultimate payment
ﬂexibility around the globe. Learn more.

Auto Rental Collision Damage Waiver

Auto Rental Collision Damage Waiver (ARCDW) eliminates the need to pay for the collision damage waiver or

similar provision provided by commercial auto rental companies on most passenger vehicles—saving you
money on insurance costs. Learn more.

Roadside Dispatch

Roadside Dispatch provides you with 24-hour access to roadside assistance via a toll-free number. This pay-
per-use roadside assistance program is provided expressly for Visa cardholders. Learn more.

Android Pay, Apple Pay and Samsung Pay

Join your chosen mobile payment platform to make quick and secure payments with your Alliant Credit

Union Visa® credit card. Plus, all payments made with Android Pay, Apple Pay and Samsung Pay still come
with the same beneﬁts of your Alliant Visa credit® card. Learn more.

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24/7 customer service

Have questions regarding your Alliant credit card account? We're here for you 24/7. Simply call the number

on the back of your credit card to talk with a friendly Alliant member service representative. They can help
with virtually every aspect of your card membership (including technical assistance).

Online banking

Managing your credit card online with Alliant Online Banking couldn't be easier. Check balances, manage
payments, conduct balance transfers and more.

Free balance transfers
You can easily transfer balances from your other credit cards to take advantage of the Visa Platinum Card beneﬁts -

especially the lower interest rate. You can transfer balances at any time, and we'll never charge you a balance

transfer fee (unless associated with a promotional offer). Get a transfer started by ﬁlling out our easy online form or
by contacting a member service representative.

Automatic payments
Are you tired of worrying about when your credit card payment is due? Now you can easily setup automatic credit

card payments from an Alliant account or an account at a different ﬁnancial institution, so you'll never be late
again.

You can choose to either pay off the balance in full or to pay off a speciﬁed amount each month. To take advantage
of this free service, simply select the payment method when you apply for your Alliant Visa® Platinum credit card or

change your payment method at any time.

Visa® Platinum Card Rates

0 

Introductory Rate

% APRLow introductory and standard rates Introductory rates as low as 0% APR applies for 12 months on purchases and balance transfers after

account opening. Then, a low standard variable rate applies ranging from 10.24%–22.24% APR.

Let Me Know When Alliant Rates Gets Even Better

email@address.com

SUBMIT

Visa Platinum Card Fees

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Priority mail services

PRICES START AT $18

Visa Platinum Card FAQs

Do you have introductory rates? How does that work?

We offer some of the lowest rates available. Your rate is based in part on your credit score and can be as low as 0%
for 12 billing cycles. After this promotional period ends your standard APR will apply to all new purchases and

balance transfers and all unpaid balances.

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Do you offer a debt protection plan?

Yes, we offer a debt protection beneﬁt plan in the event of death, disability or involuntary unemployment. Learn

more or speak to your Loan Consultant for additional details.

I lost my credit card or it was stolen, how do I get a new one?

If your credit card was lost or stolen, please call us at 800-328-1935 (24/7). For international callers, contact us at
773-462-2000 (24/7). You can also report a lost or stolen card and order a new one online by logging in to your
secure Alliant Online Banking Account.

Where can I call to make a credit card payment?

You can make a credit card payment any time by making a transfer through your Alliant Online Banking Account,

signing up for Bill Pay, or by calling us at 800-328-1935 (24/7).

How long does it take to get a credit card in the mail?

Once the application is accepted, it typically takes 7-10 days to receive your new credit card in the mail.

What are the benefits of having an Alliant credit card?

As an Alliant member, having a Platinum or Platinum Rewards Visa® from Alliant makes smart ﬁnancial sense. Our

Visa credit card options give you the purchasing power you deserve, while saving you money over higher interest
rate cards with every statement. We offer a great interest rate, too. 

There are charges on my credit card I don’t recognize. What do I do?

Please call the number on the back of your credit card at your earliest convenience. Alternatively, you can dispute
the charges online through Alliant Online Banking. Select Options located next to your Alliant Visa Credit Card
Account Summary.

How long does it take to get a debit card or a credit card?

After an application has been accepted, it typically takes 7-10 days to receive a debit or credit card in the mail. If

you need it faster, we offer a fee-based expedited service. Please call us at (800) 328-1935 (24/7) to order.

What fees do you charge on your credit cards?

Unlike other credit cards, the only fee we charge is for a late payment, which is $25.

Can I transfer balances from my other credit cards?

Absolutely. We make it easy to transfer balances from your other credit cards so you can save money with Alliant's

low interest rates. You can transfer a balance when you apply for a card or transfer a balance after you've been
approved to any Alliant credit card. 

How can I increase my card limit?

Please contact an Alliant representative at 800-328-1935 to discuss increasing your credit card limit.

Can I get Visa Purchase Alerts?

Yes, you can get alerts for transactions in real-time and immediately identify potentially fraudulent activity. You can
adjust your alerts to what makes sense for you and receive them via SMS text or email. Choose triggers for your
alerts like reaching a purchase amount threshold, international purchases, purchases made on the internet or over

the phone. Learn more and sign up at www.visa.com/purchasealerts

Have a Question?
Want to know more about this product? Search our friendly help guide!

Enter Your Question

FIND ANSWER

Visa® Platinum Card Reviews

Overall Rating for Visa® Platinum Card

Write a Review

0% found this helpful

so far so good
By kayleen

Dont have an issue except cant have multiple pay accounts.

Posted August 25, 2016
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100% found this helpful

A plus
By William L White

Awezome card

Posted April 22, 2016
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0% found this helpful

Unparalleled customer service
By Brian

Michelle M. is amazing. I did not have to put forth any effort to obtain a visa platinum card. She recognized I had an

auto loan and we attempted to reﬁnance that. I have several banks and ﬁnancial institutions I work with and the
customer service here is truly like no other. I'll be back for sure with other needs in the near future.

Posted July 27, 2015
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0% found this helpful

Bait and Switch - This bank is horrible
By anonymous

Applied for a CC to do a balance transfer for to get 0% apr for 1 year. Only for you to approve me for 2.99%. I would
never have applied for this card if I had known you would do a bait & switch on me. When I called to ask why I got
2.99% they said that I needed to have a 720 or higher credit score. I have a 743 Fico credit score. Nice to know that

Alliant makes up their own scoring system to screw you out of getting a lower interest rate. Citibank, Chase & BOFA
have never pulled this on me. UNHAPPY!

Posted July 27, 2015
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0% found this helpful

Quick resolution
By Kelly

I agree, a conﬁrmation number is needed when making a payment--would have prevented my double payment
error. However, customer service was prompt in resolving and I was able to transfer on line,even to another

institution thus preventing budget dilemma. Thanks!

Posted July 27, 2015
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0% found this helpful

need payment history
By Karen

I very happy with my credit card, rates are very competitive, that only thing missing is access to payment history in

one place, I hope you will soon added this feature.

Posted July 27, 2015
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0% found this helpful

You Need to Give Confirmation Numbers upon CC Payment
By Shari

Was upset to ﬁnd you don't give Date when bill will be paid by. Also, upset to ﬁnd your website doesn't give
conﬁrmation numbers when one pays their credit card like my bill pay online does with Bank of America. Can you
ﬁx these issues?

Posted July 27, 2015
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100% found this helpful

not a good deal
By anonymous

Credit card interest rate is to high. I have paid this card off and still the interest rate is high. I have contacted
member services and they also admit that they are higher. I have a good ﬁco score. Visa card with them not a good

idea for members.

Posted July 27, 2015
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100% found this helpful

AAA credit union
By Wendell Howard

I applied for the visacard platinum in Aug 2014 loan ofﬁcer called me I was approved he asked me what cr edit line
I need I said 3500 loan ofﬁcer was very good I have no problems they have good interst rates pay your bills on time

you will be ok costomer service great

Posted July 27, 2015
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0% found this helpful

Not impressed with Alliant Customer service!
By Brogan

I'm not impressed with the customer service. I signed up Sept 2014 for a Visa card. I'm still waiting for the balance
transfer I requested and also the credit card to be sent. I'm considering canceling the card altogether!! At ﬁrst I
thought it was an oversight but I have emailed consistently over the last months to remind the Alliant

representative and still I'm waiting for any kind of resolution. This is not a product I would recommend to anyone
considering it.

Posted July 27, 2015
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 800-328-1935   |   Routing #271081528 
11545 West Touhy Avenue, Chicago, IL 60666

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37. Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by
Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. For more information, visit
the Visa website.

38. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of
Apple Inc; Android Pay is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD. 

42. If you have established your Alliant membership online, the terms of the Electronic Signature and Consent to Conduct Business
Electronically (PDF) disclosure shall apply.

41. Fee schedule. Fees subject to change.

43. An Alliant checking account is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account. However, if
incurred, applicable fees such as a stop payment fee will apply. Please refer to the Alliant Fee Schedule for a complete list of these type of
fees.

51. Loan approval and APR based on creditworthiness, payment method and ability to repay. Rates, terms, and conditions are subject to
change. APR=Annual Percentage Rate.

Visa® Credit Card Agreement (PDF) 
Visa® Credit Card Disclosure (PDF)