Annual Fees
Rewards
Penalty APRs
Why choose a Visa® Signature Card?
Get rewarded every time you spend. Earn 2 points for every dollar on all eligible purchases1, plus perks on travel and purchase discounts.
Mobile Wallet Compatibility
Make purchases with your Signature Card using your phone.
No Annual Fees or Penalty APRs
Enjoy your low rate card without annual fees.
Visa Signature Concierge Services
Get personal identity theft protection and price protection.
Get Rewarded
Earn 2 points for every dollar spent on eligible purchases.
Why choose a Visa® Signature Card?
Get rewarded every time you spend. Earn 2 points for every dollar on all eligible purchases1, plus perks on travel and purchase discounts.
Mobile Wallet Compatibility
Make purchases with your Signature Card using your phone.
No Annual Fees or Penalty APRs
Enjoy your low rate card without annual fees.
Visa Signature Concierge Services
Get personal identity theft protection and price protection.
Get Rewarded
Earn 2 points for every dollar spent on eligible purchases.
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.
From the USALLIANCE Blog:
Experience the Cooperative Difference
Member Focused
Related Products
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 two (2) points per dollar. Bonus points are available on a promotional basis at the discretion of the Credit Union. 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.
Please refer to USALLIANCE's VISA Consumer Credit Card Agreement and Disclosure , VISA Application and Solicitation Disclosure, and Fee Schedule .
USALLIANCE VISA® CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE
VISA SIGNATURE/VISA CLASSIC/VISA CLASSIC SECURED
Interest Rates and Interest Charges |
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Annual Percentage Rate (APR) for Purchases |
Visa Signature17.24%, 17.49%, 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 Classic13.24%, 13.49%, 15.49% 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 Secured18.00% This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers |
Visa Signature17.24%, 17.49%, 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 Classic13.24%, 13.49%, 15.49% 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 Secured18.00% This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances |
Visa Signature17.24%, 17.49%, 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 Classic13.24%, 13.49%, 15.49% 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 Secured18.00% 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: |
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Effective Date: |
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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. |
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Notice to New York Residents: |
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Other Fees & Disclosures:Late Payment Fee: Balance Transfer Fee (Finance Charge) - Visa Signature: Balance Transfer Fee (Finance Charge) - Visa Classic, Visa Classic Secured: Cash Advance Fee (Finance Charge) - Visa Signature: Cash Advance Fee (Finance Charge) - Visa Classic, Visa Classic Secured: Returned Payment Fee: Card Replacement Fee: Emergency Card Replacement Fee: Pay-by-Phone Fee: Rush Fee: Statement Copy Fee: |