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 $0 introductory annual fee for the first 12 months, then $99. The ongoing APR is 19.24% to 28.24% variable, based on creditworthiness when the account is opened (terms accurate as of 10/2026) after a No introductory APR introductory rate. Signup bonus: $250 bonus (25,000 points) after $2,000 in eligible purchases within the first 120 days. Rewards: 1.5 points per dollar on eligible net purchases; 4 points per dollar at qualifying travel, gas station and EV charging station, entertainment and recreation merchants.