The Allegiance Credit Union is a personal credit card from Allegiance Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 17.99% to 28.24% variable, based on creditworthiness when the account is opened (after intro; terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases and balance transfers (balance transfers within 366 days of account opening) introductory rate. Signup bonus: $150 cash back after $500 in net purchases in the first 90 days. Rewards: 5% cash back (1% base and 4% bonus) on the first $2,000 in combined net purchases each calendar quarter in two chosen categories; 2% cash back (1% base and 1% bonus) in one chosen category; 1% on all other net purchases (cardmember must enroll in categories).