The Allegiance Credit Union Visa Platinum Fair Credit is a personal credit card from Allegiance Credit Union Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 10.50%-18.00% after a 0% for 15 months introductory rate for 15 months. Approval typically requires a credit score of 620 or higher. Signup bonus: Receive a $100 cash bonus after first purchase. Rewards: 1.5% cash back on all purchases. Cash back: 1.5%. Typical credit limit: $500-$25,000.