The USAlliance FCU is a personal credit card from USAlliance FCU. The annual fee is $0 (on most cards). The ongoing APR is From ~12.24% (variable). Rewards: 2 pts / $1 on all purchases. Cash back: 2 points for every dollar on all eligible purchases. This product reports activity to your personal credit report. Pre-qualification available (soft pull). Post-intro APR: Varies by card/loan product Accessible via free ACC membership (American Consumer Council).