For those who follow banking deals, Alliant Credit Union is a well-known name. For many years, it offered leading rates on deposit accounts such as CDs and savings accounts. For the past year or so, they have also offered a nice balance transfer promo, with one of the only 0% APR, no balance transfer fee deals available.

Qualified applicants can currently get a rate as low as 0% APR on purchases and balance transfers for 12 months with no balance transfer fee on the Alliant Platinum Visa® or the Alliant Platinum Rewards Visa® credit card. There is also no annual fee for either card.

Caveats
In order to receive the 0% APR promo rate, however, you will need to have a credit score of at least 720. If your score is below that, your intro rate will be 2.99%.

Membership in the credit union is also required, but is relatively easy to get. If you’re a member of one of many qualifying organizations, or related to a member, you’re automatically eligible. You can also join your local PTA (Parent Teacher Association) or PTO to qualify. Full membership details are specified here.

Features and benefits
Along with offering no annual fee and no balance transfer fees, both cards offer the typical Visa benefits. Also of note is that the cards only charge a 1% foreign transaction fee.

The Platinum Rewards card also earns points that can be redeemed for cash back, gift cards, travel, events and merchandise. It also offers 10,000 Alliant Rewards bonus points, which is worth $100 cash back, when you open a new account and spend at least $500 within the first 90 days.

For more information or to apply, see alliantpromos.org/visaoffer.