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 6 billing cycles on purchases and balance transfers (balance transfers within 186 days of account opening) introductory rate. Signup bonus: 2,500 bonus points after the first purchase. Rewards: 1.5 points per dollar on eligible net purchases (equal to up to 1.5% cash back).