Alliant Visa Platinum Card Review

If you’re looking for a simple, low-cost credit card option that balances debt consolidation with reliable benefits, our Alliant Visa Platinum card review explains why it’s a solid choice. Its introductory 2% balance transfer fee, affordable long-term APR offer, and lack of an annual fee qualify this card for inclusion in our overview of the best balance transfer cards for average credit scores.

About Alliant Visa Platinum

The Alliant Visa Platinum card stands out from competitors because of its focus on keeping borrowing costs low. While it doesn’t try to compete with flashy cash-back bonuses or high-reward rotating categories, it does provide cardholders with a decent intro APR period with the lowest transfer fee rate our research could find in this tier. The card also features a comparatively low standard APR after the promo period ends.

For borrowers already connected to Alliant Credit Union, this Visa Platinum card can be a seamless addition to their existing products and services. It’s particularly helpful for members who want a card that works well for short-term debt reduction without carrying extra costs like an annual fee.

Features and Benefits

While it may not be packed with rewards, the Alliant Visa Platinum still includes practical features and protections that appeal to budget-conscious borrowers.

• 0% intro APR for 12 months on both purchases and balance transfers
• Low 2% balance transfer fee (minimum $5)
• No annual fee
• Competitive variable APR after the intro period
• Auto rental collision damage waiver coverage
• Online account management
• Fraud liability protection

Alliant Visa Platinum Reviews: Editorial Rating

Trusted Company Reviews Rating Score for Alliant Visa Platinum: 8.7

This card earned a strong score because of its affordability, simplicity, and credit union affiliation. While its APR period of 12 months is shorter than some competitors, the low 2% transfer fee and absence of an annual fee make it a solid balance transfer tool. However, its lack of rewards and membership requirements keeps it from ranking higher.

Why We Like It

We like the Alliant Visa Platinum as a contender for borrowers with average credit primarily because of its low 2% transfer fee intro offer. It’s one of the very few cards available that combines a 0% intro APR with a transfer fee below 3%, which is particularly rare in the average credit score tier category.

What We Don’t Like

Despite the fact that this card ranks well in this tier, it has a few limitations to consider. Once the 12-month intro offer expires, the card offers few perks besides its low average APR and association with a well-liked credit union.

Alliant Visa Platinum Rates, Fees, and Information

As a contender in the balance transfer category, this card’s strongest feature is its cost-efficiency related to its sub-3% transfer fee. However, the card also features a lack of an annual fee, decent approval odds for average-credit consumers, and a relatively low variable APR after the intro period.

The typical APR range for the Alliant Visa Platinum is subject to change, but currently stands at between 14.49% to 26.49%. A rewards version of the card is also available, which carries slightly higher average rates.

Alliant Visa Platinum Card Customer Reviews

Cardholding Alliant Credit Union members cite the card’s low-fees and interest rates as the reason they give for the mostly positive company reviews. The auto rental collision damage waiver, which adds peace of mind, also appears as a positive in many reviews. Negative feedback mostly revolves around the lack of rewards, with some users wishing for more long-term benefits.

Alliant Visa Platinum Vs Citi Double Cash

The Alliant Visa Platinum card and the Citi Double Cash card serve different types of credit card users. In a balance transfer situation, Alliant is better if you’re looking to minimize upfront fees and don’t require an extensive intro APR period.

On the other hand, while the Citi Double Cash card’s transfer fee is higher, it provides a longer 0% intro period for transfers and rewards ongoing spending with a respectable 2% cash back rewards plan. Both appear in our overview of the best balance transfer cards for average credit.

Who Is Alliant Visa Platinum Best For?

This card is best suited for individuals who prioritize simplicity and low future costs over pursuing categorical rewards. If you’re already an Alliant Credit Union member, it’s an easy choice. It works particularly well for people who only need a short, year-long window to pay down balances or enjoy interest-free purchases, followed by long-term value.

How to Get the Most From Using Alliant Visa Platinum

To maximize the benefits this card offers, take advantage of the low 2% balance transfer fee by consolidating balances early in your membership. Or, use the 0% intro APR period for 12 months on purchases to finance necessary expenses, and plan repayment before the promo expires.

Alliant Visa Platinum Alternatives

Alliant Visa Platinum is designed to provide low cost and practical protections, but if you’re searching for cards with more robust rewards or longer intro periods, these alternatives, found in our overview of the best balance transfer cards for average credit, are worth a look.

• Discover it Cash Back: Competitive 15-month, 0% intro APR plus rotating 5% categories and a Cashback Match.
• BankAmericard: 18-month, 0% APR timeframe for both transfers and purchases.
• Citi Double Cash: Long intro period plus a flat 2% return on purchases
• Citi Simplicity: 21-month, 0% APR balance transfer offer plus 12-month, 0% APR on purchases

Frequently Asked Questions

Conclusion

The Alliant Visa Platinum won’t appeal to everyone, but its value lies in simplicity and overall affordability. With a short but useful 0% intro APR period, a low balance transfer fee, and no annual fee, it’s an excellent fit for those who want a straightforward balance transfer solution without extra costs.

Its lack of rewards means that most of its long-term value relies on the likelihood that you’ll qualify for its lower-than-average APR. However, it still has potential as a short-term financial tool to help reduce debt.

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Deane Biermeier