| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The Alliant Visa Platinum Credit Card does not earn any rewards or cash back on purchases; it is a low-rate, no-rewards card focused on a low APR and no fees.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Introductory 0% APR on Purchases and Balance Transfers
New cardholders may qualify for an introductory APR as low as 0% on both purchases and balance transfers for 12 months from account opening, after which the standard variable APR applies.
|
Financial | As low as 0% for 12 months |
|
Low Balance Transfer Fee
Balance transfers from higher-rate cards carry a fee of just 2% of the amount transferred (minimum $5), which is significantly lower than the 3%–5% charged by most competing balance transfer cards.
|
Financial | 2% (minimum $5) |
|
No Annual Fee
The Alliant Visa® Platinum Credit Card carries no annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
Prequalification with No Credit Impact
Prospective applicants can check eligibility for the card via a soft inquiry that has no impact on their credit score before submitting a full application.
|
Financial | Complimentary |
|
Auto Rental Collision Damage Waiver
Provides secondary auto rental collision damage coverage on eligible rental vehicles when the full rental cost is charged to the card; this coverage activates after the cardholder's primary personal auto insurance pays.
|
Insurance | Secondary coverage |
|
Debt Protection Plan
An optional fee-based plan that may cancel or suspend the card balance in qualifying events such as involuntary unemployment, disability, or death of the primary cardholder; terms and conditions apply.
|
Other | Optional (monthly fee applies) |
|
EMV Chip Technology with Visa Secure
The card features an embedded EMV chip for enhanced in-person security at chip-enabled terminals, paired with Visa Secure for additional protection on online transactions.
|
Security | Complimentary |
|
Visa Purchase Alerts
Cardholders may opt in to receive real-time SMS or email transaction notifications to immediately detect potentially unauthorized or fraudulent activity.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized purchases if the card is lost or stolen, provided the incident is reported promptly.
|
Security | Complimentary |
|
Mobile Wallet Compatibility
The card is compatible with Apple Pay, Google Pay, and Samsung Pay, enabling fast and secure contactless payments at supported merchants.
|
Shopping | Complimentary |
|
Roadside Dispatch
Offers 24/7 pay-per-use access to emergency roadside assistance via a toll-free number, covering services such as towing, flat tire assistance, and locksmith referrals.
|
Travel | Pay-per-use, 24/7 access |
