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 18.24% 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. Rewards: 3% cash back (1.5% base and 1.5% bonus) on eligible net purchases for the first 12 billing cycles up to $20,000, then 1.5% cash back; 5% cash back (1.5% base and 3.5% bonus) on eligible net purchases for prepaid car rental and hotel reservations booked through the Travel Center.