If you don’t qualify based on any of the other criteria, you can join Alliant’s partner charity, Foster Care to Success, for a $5 donation and become eligible for membership. The Alliant CashBack Visa Signature Card does not feature any bonus categories. There are better no-annual-fee options for people who spread their purchases across many credit cards to maximize rewards. Your IP: 80.211.130.153 By providing my email address, I agree to CreditCards.com’s Live or work in one of the communities near the credit union’s Chicago corporate headquarters After this promotional period ends, your standard APR will apply to all new purchases and balance transfers and all unpaid balances. Along those lines, the best way to boost your approval odds with any issuer — other than improving your credit — is to focus on the cards specifically marketed toward your credit type. Min. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Your Alliant Visa Platinum or Alliant Visa Platinum Rewards credit card rate is based in part on your credit score and can be as low as 0% for 12 billing cycles. By providing my email address, I agree to CreditCards.com’s Alliant Credit Union Credit Card These ratings and reviews are provided by our users. The Alliant Signature Visa is the best cash back credit card for 2020 and beyond. As a first year promotion, the annual fee is waived. Alliant has three credit cards, two have no annual fees, but one carries an annual fee. You prefer cash back to travel points or airline miles, You don’t want to track spending categories, activate quarterly bonuses, or worry about spending requirements, You want one card that gives you a good return on every purchase, Spend more than $20,000 on the card per year to make sure you’re earning more cash back than you would with a no-annual-fee flat-rate card, Consider making it your only credit card to put as much spend on it as possible, Use it outside of the country to earn cash back throughout the world without paying foreign transaction fees. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. • That can be a nonstarter for some when choosing a credit card. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Browse editors’ picks of the top credit cards of & read user reviews. Let’s compare the Alliant Visa Signature to the Citi® Double Cash Card, which offers unlimited 2-percent cash back on all purchases (1 percent when you charge and 1 percent when you pay on time). It’s simply one of the best cashback cards on the market with 2.5% cash back on up to $10,000 each billing cycle. Verdict. Another way to prevent getting this page in the future is to use Privacy Pass. HT: DoC/MyFICO. Since Alliant is billing its card as a premium product, it’s reassuring to know that many premium features like purchase security and concierge service are included. No other redemption options like gift cards, merchandise, etc. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Savings ATM Card and Visa International Service Assessment (ISA) fees. Before applying, you should aim to have good credit, which means a score of at least 700. Alliant has a credit card called Alliant Cashback Visa® Signature Credit Card.Let’s take a look at the card basics: Card earns at the following rates: 3% cash back on all purchases in the first year (available if you product change)2.5% cash back on all purchases second year on wards You must be a member of Alliant Credit Union to be eligible for the card. ContentsApplication LinkBenefitsDisadvantagesHow to Join Alliant Credit UnionRecommended Application TimeSummaryRelated Credit CardsHistorical Offers ChartApplication Link Application Link Alliant Visa Signature Benefits Earn 3% cash back on all purchases in the first year, and 2.5% cash … Consumers who want a 0% intro APR on purchases and balance transfers for a full year (10.24% to 22.24% variable thereafter). Any purchases made over that during the billing cycle will earn you 0% cash back. Maximum cash back rewards earnings will be $250 ($10,000 in qualifying purchases) per billing cycle. To be fair, the Alliant Cashback Visa® Signature … If you don’t meet the standard credit union qualifying criteria (being a relative of a member or working for a select organization), you can join by making a $10 donation to Foster Care to Success.. If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. The Alliant Cashback Visa Signature Credit Card earns 2.5% cash back on up to $10,000 in monthly spending. ... Alliant Cashback Visa® Signature Credit Card. In order to earn more with the Alliant Visa Signature than the Citi Double Cash Card, you’ll need to spend more than $20,000 on the card per year. The Alliant Cashback Visa® Signature Credit Card will earn $375, but once you subtract the annual fee, you’re left with $276 net cash back. With an APR starting at 11.24%, the card doesn’t have the inflated interest rates common among many other cash back cards. Quietly! All Rights Reserved. Alliant doesn’t post strict requirements for qualifying for the Alliant Visa Signature Card. Like any bank, credit unions check your credit scores and reports before extending you a line of credit. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. How the Alliant Cashback Visa ® Signature Card. 84. The answer is twofold: Keep in mind that joining Alliant Credit Union is pretty easy, but not necessarily free. Here’s why: This card offers 2.5% cash back on qualifying purchases — with no categories to track. Receive cash back as a statement credit or deposit into Alliant checking or savings account, Redeem cash back in any amount of $25 or greater, Maximum cash back earnings of $250 ($10,000 in qualifying purchases) per billing cycle, No option to redeem rewards for a check or as a deposit in an outside account. Regular APR 11.99%–14.99% Variable. When you click on Cloudflare Ray ID: 63cae93c3dfd0e02 HT: DoC. Alliant Cashback Visa Signature. However, the Alliant Cashback card comes with … 61. Additionally, having no foreign transaction fee is a nice benefit — it gives cardholders the opportunity to earn cash back anywhere in the world. Your credit cards journey is officially underway. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. As described in the Alliant Cashback Visa Signature Card Program Terms & Conditions, certain categories of purchases do not qualify to earn cash back. If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices. Completing the CAPTCHA proves you are a human and gives you temporary access to the web property. Privacy Policy, Essential news and expert tips in your inbox every week. Unless you work at or have retired from a company with an Alliant Credit Union membership, are related to a member, belong to one of any eligible associations or live in an eligible Chicago-area community, you will need to make a donation to Foster Care to Success to be granted a membership. Apply online in a few steps & get the best credit card. • Who should get the Alliant Visa® Platinum Credit Card? The Alliant Visa Signature and its 2.5-percent cash back rate obviously beats the Double Cash and its 2 percent, but Double Cash doesn’t have an annual fee. 2021.1 Update: The points are devalued from 1 cent/point to 0.66 cents/point! CreditCards.com is an independent, advertising-supported comparison service. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. No Credit: 16% Approval Rate. It should be noted that this is a look at the Alliant Cashback Visa® Signature Credit Card’s ongoing net cash back. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Depending on your financial situation, it may be worth paying Alliant’s $99 annual fee in the long run. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. See the online credit card applications for details about the terms and conditions of an offer. In a sea of big-bank cards, the Alliant Cashback Visa® Signature Credit Card holds its own. The 11/01/2020 High Rate Checking dividend provides an Annual Percentage Yield (APY) of 0.25% APY. Since you’ll be hard pressed to find another flat-rate card that offers as much cash back, the question is: why doesn’t everybody already have this card? Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Purchases made with this card earn 2.5% cash back, with no bonus categories or … $358, Other Notable Features: No foreign transaction fee, car rental collision damage waiver, roadside assistance, travel accident insurance, purchase protection, personal identity theft protection, concierge services, $0 fraud liability. 2021's best credit cards for all credit levels, chosen from 1000+ offers. The Alliant Cashback Visa® Signature Credit Card pays 2.5% cash back on up to $10,000 in spending per billing cycle, meaning you can earn up to … Please enable Cookies and reload the page. Alliant. The Alliant Visa Signature Credit Card offers 2.5% flat cash back on all purchases with a $99 annual fee. Best for cash back: Alliant Cashback Visa® Signature Credit Card. Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. Reasonable efforts are made Anyone who wants a credit card with no annual fee. The Alliant Cashback Visa Signature may be that card, but you’ll have to be a pretty specific type of spender. It is not our partner’s responsibility to ensure all posts or questions are answered. works. Copyright © 2021 CreditCards.com a Red Ventures Company. In a Nutshell: Tailored to serve members who charge more than $50,000 each year to credit, the Alliant Credit Union Cashback Visa® Signature credit card stands out in its class for providing a superior 2.5% flat-rate cash back on up to $10,000 spent each billing cycle. Who can qualify: To join Alliant Credit Union, you need to meet one of the requirements below. The offers that appear on this site are from companies from which CreditCards.com receives compensation. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Rewards expire after 4 years if you don’t redeem them, Consumer Reports rating: 92 (21% of issuers ranked higher), Google Play Store mobile app rating: 3.2./5. The Alliant Cashback Visa Signature offers interesting introductory cashback, but carriers an annual fee after one year of holding the card. The offers that appear on this site are from companies from which CreditCards.com receives compensation. It earns 2.5% cash back per $1 spent on all purchases ran through the card. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. CreditCards.com does not include the entire universe of available financial or credit offers. The annual fee makes it best for people that make a high amount of purchases on their credit cards, at least $20,000 a … See your unique approval odds listed next to cards on our site. Details. The Alliant Visa Signature and its 2.5-percent cash back rate obviously beats the Double Cash and its 2 percent, but Double Cash doesn’t have an annual fee. Not all ATMs accept deposits. With a 2.5-percent cash back rate on all purchases, the Alliant Visa Signature Card is made for those who want to put all of their credit card spend onto one card. We could not find any retention offers data points. See the Alliant Cashback Visa Signature Card Disclosure for additional details. We will provide you with an application confirmation code that will be used to access your application if you do not finish your application today. Alliant Credit Union cannot evaluate your application until you complete all of the required information and click the Submit Application button at the end of our online application. Annual Fee $99, $0 first year. APY=Annual Percentage Yield. to maintain accurate information. Privacy Policy. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. Keep an eye on your inbox—we’ll be sending over your first message soon. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. First, let’s address the elephant in the room: There is an annual fee attached to this card. Pro: Higher Approval Odds. Performance & security by Cloudflare, Please complete the security check to access. To be approved for the Alliant Cashback Visa® Signature Credit Card, you must be an Alliant credit union member. All reviews are prepared by CreditCards.com staff. Card Basics. However, all credit card information is presented without warranty. Get essential reads every week with our newsletter. Since many people use multiple cards to maximize their earnings, card issuers often don’t include as many premium benefits on flat-rate cards as are found on rewards cards. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. It’s a flat-rate cash back credit card that offers 2.5-percent cash back on every purchase, no matter where, when or what you buy (up to $10,000 in qualifying purchases per billing cycle). Your personal information and data are protected with 256-bit encryption. You can earn at the 2.5% rate on the first $10,000 in purchases made during the billing cycle. Near-Prime: 43% Approval Rate. Alliant Credit Union is an online credit union that anyone can join. The Alliant Cashback Visa Signature Credit Card * is a hard card to beat for those who don’t spend more than $10,000 in a month but spend at least $20,000 per year on … Only then will you earn enough more in cash back to offset the card’s $99 annual fee. If you’re not one to jump through hoops, track your spending, or juggle several credit cards, the Alliant Visa Signature is an excellent option. You may need to download version 2.0 now from the Chrome Web Store. We’ll do a soft credit pull to find them, which will never impact your credit score. Someone who wants a Visa credit card but doesn’t care about rewards. Alliant Cashback Visa Signature Card Program Terms and Conditions Summary: Eligible Alliant Cashback Visa Signature accounts earn 2.5% cash back on qualifying personal, family, or household purpose purchases, minus returns, the cardholder charges to his/her eligible Alliant Cashback Visa Signature Card as provided for in the Program rules. The Alliant Cashback Visa Signature Credit Card is first and foremost a cash back rewards credit card. Alliant Visa Platinum Rewards Card Review 2021.2 Update: The points are worth 1 cent/point again. credit level Excellent. Our rating. Alliant CU Visa® Platinum Rewards Card – Best Visa; ... You also need at least good credit for good approval odds. Check the data at the top of this page and the bank’s website for the most current information. The Signature Card waives the $99 annual fee the first year, compared to the Alliant Visa® Platinum Card and Alliant Visa® Platinum Rewards Card cards, which have no annual fee. This can be done in a variety of ways; the easiest is … What are my odds of approval for the Alliant Visa Signature Card? If you want to pay no annual fees for the life of your card, the Platinum or Alliant Visa® Platinum Rewards Card card might work well for you. Learn more about our advertising policy. Alliant Visa Signature Card Review 2019.4 Update: The annual fee is increased from $59 to $99 now. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Alliant Visa Signature Card: The Perks and Specs Annual Fee. In order to earn more with the Alliant Visa Signature than the Citi Double Cash Card, you’ll need to … Also, you’ll need to join Alliant Credit Union in order to apply for its Visa Signature card. If you spend too little, then the high annual fee lessens the card’s worthiness. Subprime: 19% Approval Rate. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.