Alliant Visa® Platinum Credit Card review

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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 Alliant Visa Platinum 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% intro APR offers.

Citi® Diamond Preferred® Card	U.S. Bank Altitude® Go Visa Signature® 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) 21 months	Introductory period (balance transfers) 12 months	Introductory period (balance transfers) 18 months
Introductory period (new purchases) 12 months	Introductory period (new purchases) 12 billing cycles	Introductory period (new purchases) None
Regular APR 18.24% – 28.99% (Variable)	Regular APR 20.24% – 29.24% variable	Regular APR 19.24% - 29.24% (Variable)
Other things to know No annual fee Balance transfer fee of 5% or $5 (whichever is greater) Balance transfers must be completed within 4 months of account opening 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), on balance transfers completed within the first 4 months of account opening 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.