Rewards Plan
Sign up Bonus
Credit Rating
Good – Excellent
0% Intro
Annual Fee
APR
- Cashback
- Debt Protection Plan
- High Penalty APR
- Annual Fee
Rewards Plan
Sign up Bonus
0% Intro
PROS
- Cashback
- Debt Protection Plan
CONS
- High Penalty APR
- Annual Fee
APR
17.49% - 27.49% (Variable)
Annual Fee
$99
Balance Transfer Fee
3%
Credit Requirements
Good - Excellent
The Alliant Cashback Visa® Signature Credit Card is a high-earning card targeted towards heavy spenders who possess excellent credit scores. Its selling point is its 2.5% flat-rate cash back rewards which can be accrued for up to five years. What makes this offer unique is that the cash back rate does not depend on the category or merchant. You can spend assured that you’ll get the same rewards no matter.
However, in order to get the higher cashback, you'll need to qualify for Tier One Rewards
- Meet the eligibility requirements for an Alliant High-Rate Checking account for each month of the previous calendar quarter.
- Maintain a daily average balance of $1,000 or more in your Alliant High-Rate Checking account for each month of the previous calendar quarter.
Overall, the Alliant Visa Signature Credit Card is an excellent rewards card with a hard to match cash back rate. It is simple, with a generous credit line and clear rewards. There are no convoluted bonuses or categories to keep track of. However, there is an annual fee attached – so make sure you can cover it.
- Cashback
- Warranty Extension
- Debt Protection Plan
- Fraud Protection
- High Penalty APR
- Rewards Expire
- Annual Fee
- Qualify for Higher Cash Back​
All About Alliant Cash Back Visa Signature
Advantages
Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.
- Cashback
Alliant Visa Signature Credit Card offers a very competitive 1.5% – 2.5% on all qualifying purchases made with this card. These rewards can be accumulated for up to five years.
You have a cap of $250 in cash back per billing cycle, equivalent to spending $10,000 monthly on qualifying purchases. Earning these rewards does not require any special enrollment. You need to be in good standing and accrue at least $50 before redeeming your rewards.
- Warranty Extension
Alliant Visa Signature Credit Card doubles the manufacturer’s warranty on items purchased entirely with its Visa credit cards. Its Purchase Security coverage also protects items for up to 90 days after purchase.
- Debt Protection Plan
Alliant offers a debt protection plan to cover you in case an unexpected life event happens. This could be involuntary unemployment, disability or death. If any of these happens, it will cancel your loan repayment obligation in full or part.
- Fraud Protection
This credit card has a $0 fraud liability guarantee from Visa. This applies to unauthorized transactions made with Visa. You must inform the card issuer immediately there has been any unauthorized use of your card.
Disadvantages
What caveats should you be aware of? While the Alliant Visa Signature Credit Card is one of the best no-category cash back credit cards available, it is a less popular choice for those who do not spend a lot of money.Â
You need to spend enough to offset the annual fee and take full advantage of the benefits. The low threshold of the APR is a good deal only as long as your creditworthiness is great.Â
Let’s take a look at the disadvantages:
- High Penalty APR
This credit card penalizes you if you default in your payments, whether on this credit card or on another Alliant account.
You get charged a variable APR of 17.49% – 27.49% (Variable) which will continue to reflect on your account until you have made up to six monthly minimum payments on your card.
- Rewards Expire
Your cash back rewards can be accrued for up to five years, after which they begin to expire on a rolling basis; your first rewards go first.Â
Cash back earned in a year will expire on in December of the fourth calendar year following the year it was earned. Cash back earned in 2022, for instance, will not expire until December 2026.
- Annual Fee
The annual fee is $99 , and it may not mean much to you if you’re a heavy spender. If you spend enough, you can recoup the annual fee before the end of the first billing cycle.
Compared with other credit cards which offer similar rewards with lower annual fees, or nearly comparable benefits with no annual fees, the Alliant Visa Signature Credit Card may be a bit expensive.
- Qualify for Higher Cash Back
In order to get the higher cash back rate, you'll need to quality and meet the requirements, including maintaining a checking account.
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How To Apply For Alliant Cash Back Visa Signature Card?
- 1.
Visit the Alliant Credit Union website to begin your application process. You will need to join Alliant’s credit union before you can apply.
From the homepage, click on “Visa Signature” under the “Bank” tab. On the new page, click “Apply Online”.Â
You will be asked if you want to log in and apply or apply as a new member. If you don’t have an account with Alliant, apply as a new member. This will take you to an Electronic Signature and Consent Agreement page. You may print a PDF of the agreement before ticking “I Agree”.
The next page should look like the one below. Scroll down and tick “Visa Signature” from the credit card options. Click “Continue”.
- 2.
The application has four main stages:
- Loan Details
- Applicant Information
- Income
- Application Review
- 3.
Stage 1: Loan Details
Select “New Card” and click “Continue” to proceed to the second stage. You may enter a promo code if you have one.
- 4.
Stage 2: Applicant Information
First, provide your personal information. These will include your names, birth date, social security number, email address, and phone numbers. You must choose a primary contact method before proceeding.
- 5.
Next, you will be asked to create a 4-digit pin to save your progress. After you have done this, fill in your housing information. You will provide your house address, zip code, housing status and monthly payment. Click “Continue” to proceed.
You will then be asked to add a co-borrower. You may skip adding one and proceed to stage 3.
- 6.
Stage 3: Income
Fill in your employer and income information. You must provide your employment status, employer name, occupation, gross monthly or annual income, employment start date, employer address, and employer phone number. You will be asked if you have any additional source of income.
- 7.
Stage 4: Application Review
You will be presented with information on Alliant’s Debt Protection. Click “Continue” to proceed. In the final page, confirm all the details you have entered are correct. You will be asked for permission to pull your credit. Tick “I Accept” and submit.
- 8.
If your application is approved, you should expect to have your credit card mailed to you in 7-10 days.
Is the Alliant Cash Back Card Right for You?
Are you a light spender? Do you have a low or average income? Are you dealing with bad or fair credit?
If you answered yes to any of these questions, you certainly want to look for other options. The Alliant Visa Signature Credit Card was specifically designed with the affluent in mind. You need to be a heavy spender with an excellent credit score to qualify for this card.
If you are, then this card is worth the price. The perks of using this credit card place it in the top tier of high-earning credit cards.
Compare The Alternatives
There are more cash back cards worth mentioning that provide a good alternative to the Alliant card:
|  |
| |
|---|---|---|---|
American Express EveryDay® Card | Chase Freedom Flex℠Card | Citi® Double Cash Card | |
Annual Fee | $0
. See Fees & Rates
| $0
| $0
|
Rewards |
1X – 2X
2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
|
1-5%
|
1% – 2%
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
|
Welcome bonus |
10,000 points
10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
|
$200
|
$200
$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
|
Foreign Transaction Fee | 2.7%
| 3%
| 3%
|
Purchase APR | 18.24% – 28.24% Variable
| 20.49%–29.24% variable
| 19.24% – 29.24% (Variable)
|
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