USALLIANCE Visa® Credit Cards

Whether youʼre looking for rewards, an everyday low rate, or a safe way to build credit, we have a credit card for you!

Spend. Earn. Enjoy!
USALLIANCE Visa Signature credit card

Visa® Signature Credit Card

Get rewarded every time you spend. Earn 2 points for every dollar on all eligible purchases1, plus perks on travel and purchase discounts.

Visa Signature Concierge services included, with cell phone protection, personal identity theft protection, and price protection.

  • Earn rewards on eligible purchases
  • Enjoy travel perks
  • Take advantage of purchase discounts
Learn more & apply
Our lowest interest rate.
USALLIANCE Visa Classic credit card

Visa® Classic Credit Card

A simple, straightforward card with everything you need. No annual fees, no penalty APRs, and the same great low rate on purchases, balance transfers, and cash advances.

  • An everyday low rate
  • No annual fees, no penalty APRs
  • Rates as low as 12.99% APR
Learn more & apply
Establish or rebuild your credit.
USALLIANCE Visa Secured credit card

Visa® Secured Credit Card

Perfect for those looking to establish or rebuild credit. With rates as low as 18.00% APR, it works like a regular credit card, but secured by a savings account.

  • Works like a traditional credit card
  • Secured by a savings account
  • Rates as low as 18.00% APR
Learn more & apply

Compare all USALLIANCE Credit Cards

Find the card thatʼs best for you!

Get Rewarded
USALLIANCE Visa Signature credit card

Visa® Signature Credit Card

Earn 2 points for every dollar spent on eligible purchases, plus other perks.

Interest Rate

(Purchases, Balance Transfers)

As low as 16.99% APR

Interest Rate

(Cash Advances)

As low as 16.99% APR

Annual Fee

No annual fee

Card Benefits

Visa Signature Concierge services, cell phone protection, personal identity theft protection, and price protection. View our benefits guide.

Low Rate
USALLIANCE Visa Classic credit card

Visa® Classic Credit Card

An everyday low rate on purchases, cash advances, and balance transfers.

Interest Rate

(Purchases, Balance Transfers)

As low as 12.99% APR

Interest Rate

(Cash Advances)

As low as 12.99% APR

Annual Fee

No annual fee

Card Benefits

Cash advances and balance transfers at low fees.

Build Credit
USALLIANCE Visa Secured credit card

Visa® Secured Credit Card

Quickly build or establish credit that is secured by your savings account.    

Interest Rate

(Purchases, Balance Transfers)

18.00% APR.2

Interest Rate

(Cash Advances)

N/A

Annual Fee

No annual fee

Card Benefits

N/A

All USALLIANCE Credit Cards Feature:

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24/7 fraud protection tracking to keep an eye out for unusual activity.

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Get your monthly credit score absolutely FREE in digital banking.

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Access your credit account anywhere with our digital banking platform.

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Buy with confidence – our cards offer extended warranty coverage.

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Account alerts to help you better manage your credit account.

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Mobile wallet compatibility so you can pay with your smart phone.

Get your USALLIANCE Visa Credit Card!

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USALLIANCE VISA ® CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

VISA SIGNATURE/VISA CLASSIC/VISA CLASSIC SECURED

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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Signature

16.99%, 17.24%, 18.00% or 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic

12.99%, 13.24%, 15.24% or 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Signature

16.99%, 17.24%, 18.00% or 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic

12.99%, 13.24%, 15.24% or 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Signature

16.99%, 17.24%, 18.00% or 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic

12.99%, 13.24%, 15.24% or 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Annual Fee

None

Transaction Fees

 

- Balance Transfer - Visa Signature

$10.00 or 5% of the amount of each balance transfer, whichever is greater.

- Balance Transfer - Visa Classic, Visa Classic Secured

$10.00 or 3% of the amount of each balance transfer, whichever is greater.

- Cash Advance - Visa Signature

$10.00 or 5% of the amount of each cash advance, whichever is greater.

- Cash Advance - Visa Classic, Visa Classic Secured

$10.00 or 3% of the amount of each cash advance, whichever is greater.

- Foreign Transaction

1.00% of the transaction amount in U.S. dollars.

Penalty Fees

 

- Late Payment

Up to $38.00

- Returned Payment

Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about the costs of the card described in this application is accurate as of: February 06, 2024 This information may have changed after that date. To find out what may have changed, contact USAlliance Federal Credit Union.

For California Borrowers, the Visa Signature, Visa Classic and Visa Classic Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.

Other Fees & Disclosures:

Late Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $38.00 or the amount of the required minimum payment, whichever is less.

Balance Transfer Fee (Finance Charge) - Visa Signature:
$10.00 or 5.00% of the amount of each balance transfer, whichever is greater.

Balance Transfer Fee (Finance Charge) - Visa Classic, Visa Classic Secured:
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge) - Visa Signature:
$10.00 or 5.00% of the amount of each cash advance, whichever is greater.

Cash Advance Fee (Finance Charge) - Visa Classic, Visa Classic Secured:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$15.00.

Emergency Card Replacement Fee:
$50.00.

Pay-by-Phone Fee:
$5.00.

Rush Fee:
$30.00.

Statement Copy Fee:
$10.00.