Visa Credit Cards | ALERO FINANCIAL

Earn 1% Rewards on Everyday Expenses

Open an Alero Financial Visa credit card and enjoy the personalized service and member-focused benefits of a credit union while earning 1% back on every dollar you spend. Plus, you can take advantage of special bonus promotions when you register for uChoose Rewards®. See the FAQ below for details.

VISA PLATINUM ADVANTAGE

Alero Financial's Visa Platinum Advantage credit card was designed to empower you with no annual fee or balance transfer fee, no minimum finance charges, and worldwide acceptance. Plus, these added benefits can make your cardholder experience even better:

Credit line from $5,000 up to $25,000
Lower-than-average interest rates
Free rewards by joining our uChoose Rewards^® points program
The convenience of Apple Pay^®, Google Pay^TM, and Samsung Pay^TM
Extended warranty on purchases made with the card
$250,000 of free travel accident insurance
Free travel assistance around the world

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VISA ADVANTAGE

A low-rate Alero Financial Visa Advantage credit card empowers you with the convenience and buying power of up to a $5,000 credit line.

Alero Financial's Visa Advantage credit cards are accepted worldwide and include $100,000 free travel accident insurance and free auto rental collision insurance for peace of mind while traveling.

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VISA SHARE SECURED

If you're looking to improve your credit score or have little-to-no credit history, an Alero Financial Visa Share Secured credit card can empower you to build your credit.

With a credit line up to $10,000 secured by money you deposit in a share account, you can begin building a positive credit history today. You can also earn dividends on the funds used to secure the account. Now that’s a win-win!

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Alero Visa Cards

Tired of Credit Cards with Sky-High Interest?

Our Visa credit card options feature competitive, transparent rates: Whether you’re building credit or carrying a balance, we keep it simple, fair, and easy to understand. You’ll always know what you’re paying and how to avoid interest altogether.

Mobile Control That Puts You in Charge

Download our free mobile app and you can lock or unlock your card instantly, set spending limits, receive real-time alerts, and manage payments on the go. Total control and total peace of mind, right from your phone.

Pay No Annual Fee with Any of Alero Financial's Visa Credit Card Options

Our members enjoy the following benefits with an Alero Financial Visa credit card:

No balance transfer fee.
No annual fee.
No minimum finance charges.
Lower-than-average interest rates.
uChoose Rewards^®
Convenient, self-service security features in our digital banking app.

Pay Less Interest and Eliminate Debt Faster With a Balance Transfer

If you're struggling with high interest rates from your other credit cards, ask us about transferring your existing balances to our low-rate Visa credit cards. When you transfer your debts to a credit union credit card, you'll enjoy paying lower interest rates. This means that more of your monthly payments will got to paying down the principal and won't be wasted on interest. Plus, with a balance transfer to an Alero Financial credit card, you'll pay no balance transfer fee, no annual fee, and no minimum finance charge, meaning you can start saving immediately without paying hidden costs.

Learn how to get started by visiting our Balance Transfers page.

Advanced Fraud Protection Without the Headaches

Your security is our priority. Our Visa credit cards come with built-in fraud monitoring, instant transaction alerts, and zero liability for unauthorized charges. If something doesn’t look right, we'll try to get you real help, fast. Learn more about how we prevent fraud.

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Still Have Questions?

Choose a topic below to learn everything you need to know about Alero Financial's low-rate rewards credit card options.

Here's how to get started:
- Click APPLY NOW and submit your online application.
- Choose the card you are interested in under “Type of Loan" (Platinum Advantage, Advantage, or Share Secured).
- A lending expert will reach out during normal business hours to match you with the best card option for your background and needs.
- If approved, you’ll receive your new Visa credit card within 7 to 10 business days.
- After your card is active, remember to register with uChoose Rewards^® to earn shopping rewards OR opt into the Interest Rebate program.
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Not a member yet? No problem!
Check out our join page to learn more about whether you qualify to join our award winning credit union. Once you're ready to start your application, you will be prompted to start your membership.
Like most credit cards, applying will result in a hard inquiry. However, responsible use of your credit card will help build or improve your credit over time.
Yes! Our Visa credit cards offer additional services to our cardholders. The enhancements available vary depending on the type of credit card:
- Auto Rental Collision Damage Waiver: The Auto Rental Collision Damage Waiver provides insurance coverage against theft or damage on rented vehicles.
- Travel Accident Insurance: The Travel Accident Insurance provides accidental death and dismemberment coverage for the cardholder and eligible family.
- Travel and Emergency Assistance: This 24-hour referral service will aid cardholders and their families in locating emergency assistance worldwide.
- Warranty Manager Service: This service provides two separate benefits to cardholders: Extended Warranty Protection and Warranty Registration Service.
Yes! Start saving money today by transferring your high-interest credit card balances to an Alero Financial credit card.
Authorized users can be added during the application process. To add an authorized user on an existing credit card, call the member center, email, go into a branch and we will provide you with the form.
*Authorized users report to the credit bureaus as of June 2025.
¡Si! Si llama a nuestro Centro de Atención al Miembro al 1-800-359-1939, podemos encontrar a alguien que le ayude en español.

^{Access our Visa application disclosures.}

^{*APR = Annual Percentage Rate. The Annual Percentage Rate is determined by adding 6.65-14.65 for Visa Platinum Advantage credit cards and 8.65-16.65 for Visa Advantage credit cards to the Prime Rate. The Prime Rate used to determine your APR is the rate published in the "Money Rates" table of The Wall Street Journal
on the last Friday of each month; if the last Friday is a Federal Holiday the following day's Prime Rate will be used and is effective the first day of the following month. Rates may change after the account is opened.}

^{uChoose Rewards is a registered trademark of Fiserv, Inc.
Apple Pay is a registered trademark of Apple Inc.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark of Samsung Electronics Co., LTD.}