Visa Classic, Signature & Secured Credit Cards

Spend. Earn. Enjoy!

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

Our lowest interest rate.

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 13.99% APR

Establish or rebuild your credit.

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

Compare all USALLIANCE Credit Cards

Find the card thatʼs best for you!

Get Rewarded

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 17.99% APR

Interest Rate

(Cash Advances)

As low as 17.99% 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

Visa® Classic Credit Card

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

Interest Rate

(Purchases, Balance Transfers)

As low as 13.99% APR

Interest Rate

(Cash Advances)

As low as 13.99% APR

Annual Fee

No annual fee

Card Benefits

Cash advances and balance transfers at low fees.

Build Credit

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:

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

Get your monthly credit score absolutely FREE in digital banking.

Access your credit account anywhere with our digital banking platform.

Buy with confidence – our cards offer extended warranty coverage.

Account alerts to help you better manage your credit account.

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

* APR is Annual Percentage Rate

1 - Every dollar(s) in qualifying purchase transactions, net of returns, made on your credit card account eligible in the USALLIANCE Visa Signature Rewards Program earns Point(s). Point accrual rate is subject to change at the discretion of the Credit Union. Base points accrue at one (1) point per dollar. Bonus points are available on a promotional basis. Effective 01/01/2024, USALLIANCE Visa Signature Cards earn an additional one (1) bonus point per eligible transaction (for a total of two (2) points per transaction) until 12/31/2024. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or credit life and/or disability (payment protection) insurance charges posted to their account. Purchase transactions are subject to the APR (Annual Percentage Rate). Points will expire three years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (i.e., points earned in calendar year one will expire on the last business day of calendar year four.) Accounts must be open and in good standing (not delinquent, over limit, or otherwise not available to use for charges) at the time of redemption. Voluntary or involuntary closure of the card forfeits any outstanding points. Points may be redeemed on the scorecardrewards.com member portal. To redeem for cash or statement credit, you must have a minimum of 2,500 points. Redeemed cash will be transferred into your eligible USALLIANCE Deposit Account within seven (7) business days of redemption. Cash Back and Statement Credit redemptions must be made in increments of $25. Additional terms apply; refer to the ScoreCard® Bonus Point Program Rules for more information. USALLIANCE Financial reserves the right to alter promotion timing and conditions without notice.

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

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 17.49%, 17.74%, 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 13.49%, 13.74%, 15.74% 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 17.49%, 17.74%, 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 13.49%, 13.74%, 15.74% 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 17.49%, 17.74%, 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 13.49%, 13.74%, 15.74% 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.

USALLIANCE Visa® Credit Cards

Visa® Signature Credit Card

Visa® Classic Credit Card