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Low Interest Credit Cards

Ideal For Balance Transfers

Transfer your credit card balances from higher-rate cards to one Low Interest Credit Card and pay down your debt faster!

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For All Your Debt-Simplifying Needs

VISA® Platinum Card Features & Perks

If you have a big purchase coming up, or you're carrying balances on high-rate credit cards, the VISA® Platinum Credit Card is the solution for you. Pay down your debt faster and save money with this low-interest card.

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LOW RATE

Enjoy an always low rate PLUS a great low introductory rate for an extended time.

SIMPLE

Keep things simple with this non-rewards card while you focus on paying down debt.

SECURE

All of our Credit Cards are enabled with EMV smart chip technology for added security.

ATM ACCESS

Need emergency cash? You can use your card at an ATM for a Cash Advance.1

Which Credit Card Is Right For You?

Discover the best Allegiance Credit Union Credit Card for your lifestyle. Whether you're an Oklahoma City student looking to build credit for the first time, or someone with balances on high-rate cards, we have the perfect solution to meet your needs!

Low Interest Credit Card

Enjoy the everyday convenience of a Credit Card while saving on interest with the VISA® Platinum Credit Card. Transfer a balance or start fresh, either way, you'll unlock these perks:

  • No annual fee.
  • Extended low introductory rate.
  • EMV chip-enabled security features.
  • ATM access for Cash Advances.1

Calculate your balance transfer savings with our free balance transfer calculator and pay down your debt with a Low Interest Credit Card!

Learn More

Secured Credit Cards

If you’re looking for a Credit Card to build credit or repair bad credit, Allegiance Credit Union offers Secured Credit Card options that can help. You set the credit limit and reap the benefits!

  • No annual fee.
  • Cards are secured with your Allegiance Credit Union Savings Account.
  • Secured Credit Cards look like our other cards, so no one knows it's a savings secured card.
  • Our Secured Credit Cards have both rewards and non-rewards options.

Looking for a second chance? Check out our Secured Credit Cards to rebuild your credit, or to build it for the first time.

Explore Secured Credit Cards

Student Credit Card

If you're a student building credit for the first time, the Student Credit Card could be your perfect solution! Students can earn rewards on every dollar spent and build credit at the same time.

  • No annual fee.
  • Earn 1.5X points for every dollar you spend on eligible purchases.8
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.8
  • 2,500 bonus rewards points awarded after first purchase.

With no point cap limits, and up to 5 years to redeem your points, the VISA® College Real Rewards Credit Card is perfect for students!

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  • Low Interest Credit Card

    Enjoy the everyday convenience of a Credit Card while saving on interest with the VISA® Platinum Credit Card. Transfer a balance or start fresh, either way, you'll unlock these perks:

    • No annual fee.
    • Extended low introductory rate.
    • EMV chip-enabled security features.
    • ATM access for Cash Advances.1

    Calculate your balance transfer savings with our free balance transfer calculator and pay down your debt with a Low Interest Credit Card!

    Learn More

Low Interest Credit Card

Enjoy the everyday convenience of a Credit Card while saving on interest with the VISA® Platinum Credit Card. Transfer a balance or start fresh, either way, you'll unlock these perks:

  • No annual fee.
  • Extended low introductory rate.
  • EMV chip-enabled security features.
  • ATM access for Cash Advances.1

Calculate your balance transfer savings with our free balance transfer calculator and pay down your debt with a Low Interest Credit Card!

Learn More
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For All Your Financial Resets

Balance Transfer Savings Calculator

Our Low Interest Credit Card is designed to help you take control of your finances. With competitive rates, no hidden fees, and straightforward terms, this card makes it easier to manage debt and save money along the way. Calculate your potential savings with our free balance transfer savings calculator.

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Download Your Free Copy!

If You Need A Budget, Look No Further

Explore how our monthly budget template can help you take the first step toward saving for the boat you've always wanted!

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Report Your Credit Card Lost or Stolen

Get in touch with us as soon as you notice your card is missing or has been misused on fraudulent purchases. We will help resolve the issues and will get a new card in your hands ASAP.
 
Please call 1-800-558-3424. For hearing impaired members, call our TTD line at 1-888-352-6455. If you are outside the U.S. call 701-461-1556 COLLECT.
More Information on Lost Cards

Additional Resources

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Balance Transfer Offers: How to Use Them Wisely

Are you considering transferring your credit card debt to a “teaser rate” card (where a very low...

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College Students, Which Credit Card Is Right For You?

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What Our Members Are Saying

“I would highly recommend Allegiance Credit Union to people looking for a great financial services partner.  They treat you like a person instead of an account number.”

Gary G.

“I have been with other credit unions and I must say Allegiance has the 100% customer care and helping with the best loan rates to making sure everything was completed with our loan. Thank You Allegiance the staff are just wonderful!!!!”

Margie K.

Frequently Asked Credit Card Questions

How do I dispute a fraudulent charge on my credit card?

Disputing a fraudulent charge on your Allegiance credit card is easy. Please call 1-800-558-3424.
 
For hearing-impaired members, call our TTD line at 1-888-352-6455. If you are outside the U.S. call 701-461-1556 COLLECT.

How can I request an increase in my credit card limit?

Requesting an increase in your Allegiance Credit Union credit card limit is simple. Please call 1-800-558-3424 to speak with a representative regarding a credit card limit increase.
 
You can always login to your online account at https://www.myaccountaccess.com

1.The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

2.Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

VISA® College Real Rewards Card

The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

8. College Real Rewards Card: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (worth up to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned. Reward points can be redeemed as a cash deposit to a checking or saving account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points (2,500) will be applied 1-2 statement billing cycles after first purchases and are not awarded for balance transfers or cash advances. Please allow1-2 statement billing cycles for your bonus points to appear on your credit card statement.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.


See complete terms and conditions on the application.