The Allegiance Credit Union Visa Classic Fair Credit is a personal credit card from Allegiance Credit Union Visa Classic. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 11.90%-21.90% after a 0% for 6 months introductory rate for 6 months. Approval typically requires a credit score of 620 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $500-$15,000.