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 bonus (15,000 points) after $500 in net purchases in the first 90 days. Rewards: 1 point per dollar on eligible net purchases; 4 points per dollar at restaurants, fast-food restaurants and bars (first $2,000 per quarter, then 1 point); 2 points per dollar at gas stations and EV charging stations, grocery stores and supermarkets, and qualifying streaming subscriptions.