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Until a few years ago, Ally online bank did not have credit cards among its banking products. It was since 2021, with the acquisition of the company Fair Square Financial, specialized in this type of product, that the entity has included these products in its catalog.
Ally Bank currently offers three credit cards to its customers, the Platinum Mastercard, the Everyday Cash Back and the Unlimited Cash Back. All of them can be contracted only if they are offered by the bank itself. It is not possible to apply for them without an invitation.
Therefore, in order to enjoy them, it is first necessary to be a customer of the bank, opening a checking account. After some time, if we demonstrate that we have sufficient solvency, the bank itself will be in charge of sending us an invitation to obtain one of its credit cards.
At present, Ally Bank does not provide information on the terms and conditions of its credit cards. We do not know if it applies an annual handling fee or the interest rates it charges for the payment of purchases in installments or the accumulated balance.
If you want to have a credit card as soon as possible without having to wait for the bank to offer it to you, you can consult those of other banks that we analyze in Busconómico, such as those offered by Truist Bank or Bank of America, which also has several secured cards.
Español: Tarjetas de crédito de Ally Bank