Alliant Credit Union Visa Platinum Review – Forbes

Alliant Visa® Platinum* vs. Wells Fargo Reflect® Card

If you’re seeking a card with a longer-length 0% introductory APR offer for both purchases and balance transfers, look to the Wells Fargo Reflect® Card (rates & fees), which charges no annual fee and offers a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. An intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods is available. A 16.74% – 28.74% variable APR applies after that. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a balance transfer fee of up to 5%, min $5 applies. The Reflect also doesn’t provide any rewards and comes with sparse extra benefits including cell phone insurance.

With a longer introductory APR offer, the Wells Fargo Reflect® Card makes the Alliant Visa® Platinum* a much less attractive offer for those in need of a balance transfer or an opportunity to finance a large purchase.

Alliant Visa® Platinum* vs. Citi® Double Cash Card

Those seeking a balance transfer card with longevity past the 0% APR period will find the no-annual-fee Citi Double Cash more attractive than the Alliant Credit Union Visa Platinum. The Double Cash earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off and offers a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 17.74% – 27.74%, based on creditworthiness. There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

Though the Citi Double Cash is also light on the extra benefits, its excellent flat-rate cash back is difficult to beat (though the Alliant Cashback Visa Signature Credit Card*, detailed below, gives it a run for the money). Notably, the Double Cash’s intro APR period does not extend to purchases—only balance transfers.

Alliant Visa® Platinum* vs. Alliant Cashback Visa Signature Credit Card*

A card we like for its fantastic flat-rate reward earning, the Alliant Cashback Visa Signature Credit Card* comes without the welcome bonuses and other draws of its companions on our best cash back cards list, but it does illustrate what becoming a member of Alliant Credit Union can do. The card earns up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%.

Where the Alliant Visa Platinum offers its This card does not offer any introductory APR periods. The standard APR for purchases and balance transfers is 15.24% – 25.24% variable. Balance transfer fee of 3% of the amount of each transfer applies, the Alliant Cashback Visa Signature Credit Card* offers no intro APR. Instead, it offers a stack of additional travel and shopping benefits including no foreign transaction fees and travel accident insurance as well as purchase security and extended warranty protections.