Alliant Visa® Platinum Credit Card review

Alliant Visa® Platinum Credit Card review

Updated: February 2, 2021
Updated: February 2, 2021
Ratings Policy
Balance Transfer Rating:
3.3 rating
3.3 rating
3.3 / 5
Introductory Period3.4
Net Value2.7
Features2.0
Customer Experience3.5

In a Nutshell:

The Alliant Visa® Platinum Credit Card can be a good option if you want a Visa credit card without an annual fee. The limited-time introductory APR offer can also lead to big interest savings. This card offer is no longer available on our site.

0% Introductory Period (Balance Transfers)

12 months

Fair

0% Introductory Period (Purchases)

12 months

Fair

Transfer Fee

$5 or 2% (whichever is higher)

Excellent

Regular APR

10.24% to 22.24% (variable)

Very Good

Annual Fee

$0

Excellent

Customer Experience

  • Consumer Reports rating: 92 (21% of issuers ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 3.2./5
  • Apple Store mobile app rating: 4.6/5
Very Good

Other Notable Features: Auto rental collision damage waiver, roadside dispatch, zero fraud liability

Low Interest Rating:
2.6 rating
2.6 rating
2.6 / 5
Rates, Fees, Penalties2.5
Rewards0.0
Features2.0
Customer Experience3.5

In a Nutshell:

The Alliant Visa® Platinum Credit Card can be a good option if you want a Visa credit card without an annual fee. The limited-time introductory APR offer can also lead to big interest savings. This card offer is no longer available on our site.

Regular APR

10.24% to 22.24% (variable)

Poor

Introductory Purchase APR

0% for 12 months

Excellent

Introductory Balance Transfer APR

0% for 12 months

Excellent

Fees

  • No annual fee
  • 2% or $5 balance transfer fee (whichever is higher)
  • 2% foreign transaction fee
  • 3% or $10 cash advance fee (whichever is higher)
Very Good

Penalties

  • Up to $27 late payment fee
  • Up to $27 returned payment fee
  • 25.25% penalty APR
Average

Customer Experience

  • Consumer Reports rating: 92 (21% of issuers ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 3.2./5
  • Apple Store mobile app rating: 4.6/5
Very Good

Other Notable Features: Auto rental collision damage waiver, roadside dispatch, zero fraud liability

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Whether you want a Visa credit card for convenience or you could benefit from a low introductory APR for a limited time, the Citi® Diamond Preferred® Card is worth considering.

You won’t earn any rewards, but you could qualify for a 0% intro APR on purchases and balance transfers for 12 months, followed by a variable APR of 10.24% to 22.24%.

Just remember that you have to belong to Alliant Credit Union to be eligible to apply. However, you can apply for the card and a new membership at the same time.

Card rates and fees

New cardmembers of the Alliant Visa Platinum can benefit from paying as little as 0% interest on purchases for 12 months, with a 10.24% to 22.24% variable APR charged thereafter. Depending on your credit history, this card’s ongoing APR could be well below the average credit card interest rate. On the other hand, per the card’s terms you may only qualify for an introductory APR of up to 5.99%.

The card carries no annual fee, but a 2% balance transfer fee (minimum $5) will apply if you use this credit card to consolidate debt. This is notably lower than the rate you’ll find on many balance transfer cards, which often charge 3% or 5% in balance transfer fees.

A 2% foreign transaction fee can also apply to purchases made abroad, as can a late payment fee or returned payment fee of $27.

Card benefits

Like many low-interest cards, the Alliant Visa Platinum card’s perks are not particularly impressive. Here’s a quick look at the basic benefits the card has to offer:

  • Zero fraud liability: You’ll never be on the hook for fraudulent charges if a thief uses your credit card or credit card number to make a purchase.
  • Secondary auto rental coverage: You can qualify for secondary auto rental coverage when you pay for eligible rental periods with your credit card.
  • Roadside dispatch: Call this emergency hotline 24/7 in order to get emergency assistance, help with flat tires, towing services and more (pay-per-use service).

How does the Alliant Visa® Platinum Credit Card compare to other low-interest cards?

The Alliant Visa® Platinum Credit Card has a decent introductory rate that applies to both purchases and balance transfers. However, along with a relatively short intro APR period, this card fails to offer any rewards, which puts it behind some cards in its niche. Here’s a look at how the Alliant Visa Platinum compares with a few other cards that carry 0% APR offers.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card


U.S. Bank Altitude® Go Visa Signature® Card
Citi® Double Cash Card

Citi® Double Cash Card

Rewards rate

None

Rewards rate

  • 4 points per dollar on dining
  • 2 points per dollar on grocery store, gas station and streaming service purchases
  • 1 point per dollar on all other eligible purchases
Rewards rate

  • Up to 2% cash back on every purchase – 1% when you purchase and 1% when you pay for those purchases
Introductory period (balance transfers)

18 months

Introductory period (balance transfers)

12 months

Introductory period (balance transfers)

18 months

Introductory period (new purchases)

18 months

Introductory period (new purchases)

12 months

Introductory period (new purchases)

None

Regular APR

14.74%-24.74% (variable)

Regular APR

14.99%-23.99% (variable)

Regular APR

13.99%-23.99% (variable)

Other things to know

  • No annual fee
  • Balance transfer fee of 3% or $5 or 5% (whichever is greater)
  • 3% foreign transaction fee
Other things to know

  • Includes a $15 credit for annual streaming service purchases
  • No annual fee or foreign transaction fee
  • Balance transfer fee of 3% or $5 (whichever is greater)
Other things to know

  • 3% intro balance transfer fee (or $5, whichever is higher)
  • $25 minimum cash redemption
  • Awards expire if card is not used for more than 12 months
  • Cash back can be converted to Citi ThankYou points
  • No cash back earned on gift card purchases

Who should get the Alliant Visa® Platinum Credit Card?

  • Someone who wants a Visa credit card but doesn’t care about rewards.
  • Anyone who wants a credit card with no annual fee.
  • Consumers who want a 0% intro APR on purchases and balance transfers for a full year (10.24% to 22.24% variable thereafter).

How to use the Alliant Visa® Platinum Credit Card

  • Take advantage of a 0% intro APR on purchases and balance transfers in your first year (10.24% to 22.24% variable thereafter).
  • If you don’t qualify for a 0% intro APR, pay off your transferred debt or new purchases as quickly as possible to minimize interest charges.
  • Use your credit card with a mobile wallet for optimal convenience.

Is the Alliant Visa® Platinum Credit Card worth it?

At the end of the day, the Alliant Visa® Platinum Credit Card is a decent card option. While it comes with a decent introductory offer on balance transfers and new purchases, it is seriously lacking in terms of rewards and cardholder benefits. Also note that you’ll need to be an Alliant Credit Union member to apply, which means there may be added hoops to jump through.

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