Visa Platinum Card | Alliant Credit Union

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Swipe with confidence 

Apply Online

FEATURES

RATES

FEES

FAQS

REVIEWS

Apply Online

The Run Down

• As low as 0% introductory rate for 12 months

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(After the introductory period, a low standard 

variable rate applies, ranging from 10.24%–22.24%)

• Great for balance transfers

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• $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 1.16% 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

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"9 Best 0% APR Credit Card Offer" - Magnify Money

$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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http://www.alliantcreditunion.org/bank/visa-platinum-card

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Visa Platinum Card | Alliant Credit Union

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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.

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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.

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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

http://www.alliantcreditunion.org/bank/visa-platinum-card

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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 for distribution of Visa® credit cards, 

checks, Visa® Debit Card, Convenience

PRICES START AT $18

Visa® Credit Card (Platinum and Platinum Rewards)

Visa® Credit Card Annual Fee (Platinum and Platinum 

Rewards)

FREE

FREE

Visa® Credit Card Balance Transfer (Platinum and Platinum 

FREE (UNLESS ASSOCIATED WITH 

Rewards)

A PROMOTIONAL OFFER)

Visa Platinum Card FAQs

http://www.alliantcreditunion.org/bank/visa-platinum-card

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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. 

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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

http://www.alliantcreditunion.org/bank/visa-platinum-card

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Visa Platinum Card | Alliant Credit Union

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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

http://www.alliantcreditunion.org/bank/visa-platinum-card

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Visa Platinum Card | Alliant Credit Union

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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! 

http://www.alliantcreditunion.org/bank/visa-platinum-card

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Visa Platinum Card | Alliant Credit Union

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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

http://www.alliantcreditunion.org/bank/visa-platinum-card

10/23/2017

Visa Platinum Card | Alliant Credit Union

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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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http://www.alliantcreditunion.org/bank/visa-platinum-card

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Visa Platinum Card | Alliant Credit Union

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 800-328-1935 

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Visa® Signature Card

Free Checking

High-Rate Savings

High-Rate Checking

Free Teen Checking

Supplemental Savings

Visa® Platinum Card

Visa® Platinum Rewards Card

Custodial Accounts

Certificates

Health Savings (HSA)

Kids Savings Accounts

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Borrow

Alliant Vehicle Loans

Alliant Car Buying Service

Car Loans

Traditional Student Loan

RV Loans

Personal Loans

Sports Vehicle Loans

Consolidation Student Loan

Home Equity

Mortgages

Invest

Coverdell Education Savings Account (ESA)

Traditional IRA

Trust Accounts

Retirement and Investment Services

Roth IRA

SEP IRA

Protect

Accidental Death Insurance

Whole Life Insurance

Term Life Insurance

Auto Insurance

Homeowners Insurance

 800-328-1935   |   Routing #271081528 

11545 West Touhy Avenue, Chicago, IL 60666 

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Become a Member

Disclosures Social Media Disclosures Privacy Terms Site Map

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)

http://www.alliantcreditunion.org/bank/visa-platinum-card

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