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Why we like this card: The Alliant Cashback Visa® Signature Card provides a formidable 2.5% money again on all purchases (as much as $10,000 per billing cycle) to those that can meet sure standards. With no annual payment and several other added perks, it’s an awesome all-around card for members of Alliant Credit score Union.
Execs
- Extremely aggressive flat money again fee
- No annual payment
- No international transaction charges
Cons
- No intro APR provide
- No welcome bonus
- Requires a companion checking account that meets sure necessities
Alliant Cashback Visa Signature Card: Overview
The Alliant Cashback Visa Signature Credit score Card provides a major money again fee of two.5% on all purchases as much as $10,000 per billing cycle to cardholders who even have a Excessive-Charge Checking account. This flat-rate money again is accessible with none rotating classes or sign-ups required, making it simple and hassle-free. Cardholders earn a vast 1.5% money again on all different qualifying eligible purchases thereafter. (Those that don’t have a companion checking account earn 1.5% again on all purchases.)
This card additionally comes with extra perks and options, reminiscent of a complete suite of Visa Signature advantages. These embrace rental automotive protection, journey accident insurance coverage, and buy safety. Customer support and security measures are additionally notable, with around-the-clock fraud monitoring and id theft safety. The Alliant Cashback Visa Signature Credit score Card has no annual payment, and the dearth of international transaction charges makes it a sensible choice for worldwide vacationers.
Alliant Cashback Visa Signature Credit score Card: Rewards
Alliant provides two tiers of money again rewards on this card:
Tier 1 rewards
- 2.5% money again on the primary $10,000 of qualifying eligible purchases per billing cycle
- Limitless 1.5% money again on all different qualifying eligible purchases
To qualify for Tier 1 rewards, the first cardholder should have an Alliant Excessive-Charge Checking account and meet the next necessities every calendar month:
- Decide in to obtain eStatements; and
- A minimum of one digital deposit posted to the account every calendar month (direct deposit, ATM deposit, cell verify deposit or switch from one other monetary establishment); and
- Preserve a median day by day steadiness of $1,000 or extra
Observe: New cardholders will routinely earn Tier One rewards for the primary 100 days after card approval.
Tier 2 rewards
- Limitless 1.5% money again on all qualifying eligible purchases
redeem Alliant Cashback Visa Signature Credit score Card rewards
Redeeming money again rewards is straightforward: You may select to obtain money again by way of a bank card assertion credit score (which is able to seem inside one billing cycle) or as a deposit into your Alliant checking or financial savings account.
Extra advantages
Along with money again, the Alliant Cashback Visa Signature Card comes with a number of different advantages, together with:
- Private id theft safety: Get reimbursed as much as $5,000 for lined bills you incur to revive your id because of a lined stolen id occasion.
- Buy safety: New retail purchases made along with your eligible Visa Signature card and/or rewards program related along with your lined Signature account are protected towards theft or harm inside the first 90 days from the date of buy.
- Journey accident insurance coverage: You and your dependents change into lined routinely when your complete fare is charged to your lined Visa Signature card account.
- Auto rental collision harm waiver: This protection eliminates the necessity to pay for the collision harm waiver or comparable provision offered by business auto rental corporations on most passenger autos. Protection applies whenever you use your Alliant Visa Signature card to pay for the rental.
- Roadside dispatch: Get 24-hour entry to roadside help by way of a toll-free quantity.
- ID navigator powered by NortonLifeLock™: Keep knowledgeable and know what to do when your id is threatened with this service that helps offer you instruments so you possibly can act rapidly ought to the sudden occur.
- Prolonged guarantee safety: This doubles the time period of your eligible U.S. producer’s guarantee as much as one extra 12 months on eligible warranties of three years or much less; for warranties of lower than one 12 months, the time period is doubled; for warranties of 1 12 months or extra an extra 12 months of protection is offered.
Bank cards just like the Alliant Cashback Visa® Signature Card
In case you’re concerned about making use of for a money again bank card, it’s a good suggestion to check just a few choices.
Alliant Cashback Visa® Signature Card |
 Chase Freedom Limitless® |
 Wells Fargo Lively Money® Card |
|---|---|---|
| Annual payment | Annual payment | Annual payment |
| $0 | $0 | $0 |
| Rewards | Rewards | Rewards |
| 2.5% money again on all purchases (on as much as $10,000 in qualifying purchases every billing cycle, then 1.5%) with a qualifying Tier One Rewards standing every quarter limitless 1.5% money again with Tier Two Rewards standing |
6.5% money again on mixed fuel station & grocery retailer provide purchases (not together with Goal or Walmart) on as much as $12,000 spent within the first 12 months 4.5% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service |
2% money rewards on purchases |
| Welcome bonus | Welcome bonus | Welcome bonus |
| None | Earn an extra 1.5% on all the things you purchase (on as much as $20,000 spent within the first 12 months), value as much as $300 money again | $200 money rewards bonus after spending $500 in purchases within the first three months |
| Our Take | Our Take | Our Take |
| This card provides a nearly unmatched flat rewards fee (as much as the month-to-month spending cap) for cardholders who qualify for Tier 1 rewards. Assuming you are keen to keep up the requisite common steadiness in an Alliant Excessive-Charge Checking account and verify off the opposite Tier 1 necessities, the Alliant Cashback Visa® Signature Card is a powerful alternative for a no-annual-fee bank card. |
The Chase Freedom Limitless® card is a well-rounded rewards card, providing beneficiant cash-back earnings in quite a lot of classes. The $0 annual payment and an introductory 15-month 0% APR (19.74%—28.49% variable APR afterwards) make this card notably engaging to budget-conscious cardholders. |
The Lively Money is so simple as it will get with 2% money again on all purchases. It topped our checklist of cash-back playing cards for this and its different perks, together with cellphone safety and an intro 0% APR provide. |
| Learn our assessment of the Chase Freedom Limitless® |
Learn our assessment of the Wells Fargo Lively Money® Card |
Alliant Cashback Visa® Signature Card vs. the Chase Freedom Limitless
The Alliant Cashback Visa® Signature Card and Chase Freedom Limitless® are each sturdy money again choices, however they cater to completely different spending habits. The Alliant Cashback Visa provides as much as 2.5% money again on purchases for those who preserve an Alliant Excessive-Charge Checking account with a $1,000 common day by day steadiness, making it perfect for individuals who can meet these necessities. In distinction, the Chase Freedom Limitless supplies 1.5% money again on all purchases, with enhanced charges of 6.5% on journey bought by means of Chase Journey℠ and 4.5% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service. It additionally encompasses a beneficiant introductory bonus of extra 1.5% on all the things you purchase (on as much as $20,000 spent within the first 12 months), value as much as $300 money again.
Wells Fargo Attune℠ Card vs. Alliant Cashback Visa Signature Card
In case you’re in search of a money again card with a aggressive flat fee and no rotating classes to fret about, you may wish to contemplate the Wells Fargo Lively Money Card. This card provides a vast 2% money again, which can be a greater match for those who’re not concerned about becoming a member of Alliant or don’t qualify for membership. Additionally, not like the Alliant Cashback card, the Nicely Fargo Lively Money card provides a welcome bonus and an introductory 0% APR to new cardholders.
Is the Alliant Cashback Visa Signature best for you?
The Alliant Cashback Visa Signature Card is a wonderful money again card with one of many highest flat charges out there at this time. Nonetheless, you need to change into a member of the credit score union to use, which suggests it gained’t be the proper match for each one.
Incessantly requested questions
Is an Alliant bank card arduous to get?
The Alliant Cashback card could also be tough to get when you’ve got honest or poor credit score, or don’t qualify to hitch the credit score union.
What’s the credit score restrict for Alliant Cashback Visa Signature Card?
The credit score restrict on the Alliant Cashback Visa Signature Card varies by applicant and is predicated in your private credit score and monetary profile.
Is a 2% money again card value it?
In case you’d slightly take a hands-off method to managing your bank card rewards and easily earn a flat fee in your spending, 2% money again is aggressive for the market and price it.
CardRatings is an promoting associate of Fortune Recommends™ for bank card merchandise. Fortune Recommends™ and CardRatings could obtain a fee from card issuers.
Please be aware that card particulars are correct as of the publish date, however are topic to alter at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.
