The USAlliance Federal Credit Union is a personal credit card from USAlliance Federal Credit Union. The annual fee is $0. The ongoing APR is 16.49%, 16.74%, 18.00% or 18.00% when you open your account, based on your creditworthiness; varies with the market based on the Prime Rate (disclosure accurate as of October 1, 2026). Rewards: Earn 2 points for every dollar on all eligible purchases (points expire three years from the end of the calendar year earned; 2,500-point minimum to redeem for cash or statement credit). Cash back: 2 points for every dollar on all eligible purchases. Loan terms: Revolving personal credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; average daily balance (including new 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).