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USALLIANCE FINANCIAL

Visa Classic Credit Card

Congratulations! You've been invited to apply for an introductory rate of 1.99% APR* on purchases and balance transfers for the first 18 billing cycles!

After that, enjoy an everyday low interest rate that's over 3.9% lower than the national average!1 Plus, you won't pay any annual fees or penalty APRs.

Intro Rate

1.99%APR*

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What makes the Classic Card so great?

  • No annual fees, no penalty APRs.
  • Pay with your mobile device using Apple Pay®, Samsung Pay®, Google Pay™, or VISA Checkout.2
  • Free supplementary cards – great for your spouse or child.
  • Ability to “freeze” your card if misplaced to help prevent fraudulent activity.
  • Cash advances and balance transfers at low fees.

Experience the Cooperative Difference

  • 5,600+ Shared Co-op Branches
  • 30,000 Surcharge-free ATMs
  • 14 USALLIANCE Branches

  • 116,000+ USALLIANCE Members
USALLIANCE Co-op Map

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USALLIANCE is a non-profit, membership-based, full-service financial organization.
After expenses and reserves are set aside, profits are distributed back to members. These come in the form of higher returns and lower rates and fees, as well as free or low-cost services.

Member Focused

We do not answer to stock holders; we don’t have any. Each member holds a share of ownership. Our decisions are aimed to better the lives of each and every member.

Full Service

Whether you’re looking for a checking account, credit card, retirement savings, or insurance, we’ve got you covered. We offer a full suite of products and services to help you achieve your financial goals.

Financial Wellness

Our mission is to help our members learn how to achieve personal financial independence and wellness. We offer many tools to help you save, budget, and better understand your finances.

USALLIANCE VISA® CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

1.99% introductory APR for the first 18 billing cycles following the opening of your account based on your creditworthiness when you open your account.

After that, your APR will be 10.49%, 10.74%, 12.74%, 12.74% or 18% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

1.99% introductory APR on balance transfers for the first 18 billing cycles following the opening of your account.

After that, your APR will be 10.49%, 10.74%, 12.74%, 12.74% or 18% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

10.49%, 10.74%, 12.74%, 12.74% or 18% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Annual Fee

None

Transaction Fees

 

· Balance Transfer

No balance transfer fee on transfers made within 30 days of account opening. After that: Either $10 or 3% of the amount of each transfer, whichever is greater.

· Cash Advance

Either $10 or 3% of the amount of each cash advance, whichever is greater.

· Foreign Transaction

1% of the transaction amount in U.S. dollars.

Penalty Fees

 

· Late Payment

First occurrence $27.00.
Subsequent occurrences within 6 months $38.00.
Late fee resets to $27.00 if on-time payments are made for 6 consecutive months.

· Returned Payment

$25.00.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

New York State Residents: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or http://www.dfs.ny.gov.

The information about the cost of the credit card described above is accurate as of November 1, 2019. This information may change after that date. You should contact USALLIANCE Financial, 411 Theodore Fremd Avenue, Suite 350, Rye, NY 10580-1410 or toll-free at (800) 431-2754 for any change of this information after November 1, 2019.