Alliance Credit Union · Credit Cards

Credit Cards

Cashback, travel perks, or low-rate balance transfers — find the credit card that fits your life. Apply in minutes and start using it right away.

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0%Intro APR

1.5%Cashback Rate

£0Annual Fee

Find your perfect card

Whether you want to earn rewards, save on interest, or build your credit score, we have a card to match your needs.

1.5% Cashback

Cashback Card

Earn real cashback on your everyday spending. Simple, straightforward rewards you'll actually use.

1.5% cashback on all purchases
No annual fee
Cashback paid monthly
No cap on earnings

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0% Foreign Fees

Travel Card

Spend abroad without the extra fees. Perfect for frequent travellers and holidaymakers.

0% foreign transaction fees
Free travel insurance
Worldwide acceptance
No annual fee

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0% for 24 months

Balance Transfer

Move your existing credit card debt and pay 0% interest for up to 24 months.

0% interest for 24 months
Low one-time transfer fee
No annual fee
Flexible repayment

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3x Points

Rewards Card

Earn points on every purchase and redeem them for shopping, dining, or travel.

Triple points on dining
Points never expire
Exclusive partner offers
No annual fee

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From 9.9% APR

Low Rate Card

Lower interest on purchases and balance transfers — ideal if you carry a balance.

Low APR from 9.9%
No annual fee
Interest-saving for balances
Simple, straightforward pricing

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Build Your Score

Credit Builder Card

Build or rebuild your credit score with a card designed for responsible credit building.

Ideal for first-time borrowers
Low credit limit to start
Reports to credit bureaus
Upgrade path to Rewards

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Why choose Alliance Credit Union credit cards

Why choose an Alliance Credit Union credit card?

We design our cards to give you more — more rewards, more flexibility, and more control over your money. Here's what makes us different.

No annual fees — Every card is fee-free, forever
Real rewards — Cashback and points you'll actually use
Instant notifications — Know every time your card is used
Freeze your card — Instantly from the app if it's lost
24/7 support — Real people, ready to help any time

Apply for a card

Every card comes with

No matter which card you choose, you'll get these powerful features included as standard.

Mobile Card Controls

Freeze, unfreeze, and set spending limits instantly — right from the app.

Instant Notifications

Get a real-time alert every time your card is used, so you always know what's happening.

Fraud Protection

Advanced monitoring and £0 liability on unauthorised transactions keep you safe.

Contactless Payments

Tap and go with contactless payments — accepted at millions of locations worldwide.

Spending Insights

See where your money goes with automatic categorisation and monthly reports.

24/7 Support

Real people, ready to help any time of day or night — wherever you are.

Check your eligibility

See which cards you're likely to be approved for — without affecting your credit score.

What you'll need to apply

Before you apply, please make sure you meet the following criteria. It helps us make a fast, fair decision.

Age 18 or over
UK resident
Regular income
Valid UK bank account
No recent defaults
Photo ID available

Check eligibility

Apply in 4 easy steps

Getting your Alliance Credit Union credit card takes just minutes. Here's what to expect.

Choose your card

Pick from Cashback, Travel, Balance Transfer, Rewards, Low Rate, or Credit Builder.

Check eligibility

Use our soft-check tool to see if you're likely to be approved — no impact on your credit score.

Apply online

Complete a short application. Most decisions are given instantly.

Start spending

Use your digital card instantly. Your physical card arrives within 3–5 days.

Compare our credit cards

See all the key details side by side and pick the card that's right for you.

Feature	Cashback	Travel	Balance Transfer
Representative APR	22.9%	24.9%	21.9%
Annual fee	£0	£0	£0
Cashback on purchases	1.5%
Foreign transaction fees	2.75%	0%	2.75%
0% intro offer	6 months		24 months
Travel insurance
Contactless payments
Mobile app controls

Frequently asked questions

Everything you need to know about Alliance Credit Union credit cards.

How long does approval take?

Most applications receive an instant decision. Once approved, you'll receive a digital card in the app that you can use immediately — while your physical card arrives in 3–5 business days.

Will applying affect my credit score?

Our eligibility checker uses a soft search, which doesn't affect your credit score. Only when you proceed with a full application will a hard search be performed — and this may have a small, temporary effect on your score.

What is a representative APR?

The representative APR is the interest rate that at least 51% of successful applicants receive. Your actual rate may be higher or lower depending on your credit history and circumstances — we'll always tell you before you accept the card.

Can I have more than one credit card?

Yes. Many members hold more than one card — for example, a Cashback Card for everyday spending and a Travel Card for holidays. You can apply for additional cards at any time in the app.

How do I make a payment?

You can pay your credit card bill instantly from any Alliance Credit Union account. You can also set up a direct debit for the minimum, full, or a fixed amount each month — whichever you prefer.

Is my card protected if it's lost or stolen?

Yes. You have £0 liability for any unauthorised transactions made after you report your card as lost or stolen. Freeze your card instantly in the app, or call our 24/7 emergency line.

Can I use my card abroad?

Yes. All of our cards work worldwide. If you have a Travel Card, you'll pay 0% foreign transaction fees. Other cards charge a small fee of 2.75% on non-sterling transactions.

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Ready to get your credit card?

Apply online in minutes and get an instant decision. Find the card that fits your life with Alliance Credit Union.

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