Alliant Cashback Visa Signature Credit Card Review

Alliant Cashback Visa Signature Credit Card

Join Alliant, you are more than just a member. Alliant Credit Union is a non-profit financial cooperative, which means that all their members are also owners. Their membership-first philosophy has always served them. With a history of more than 85 years and assets of more than $14 billion, Alliant Credit Union is the largest credit union in Illinois and one of the largest in the United States. Their excellent online, mobile and telephone banking services, coupled with their full range of competitive products, make it easier for their 600,000 members nationwide to bank. Provide members with consistently excellent financial value, while simplifying and supporting people's savings, borrowing and payment methods.

Pros & Cons Analysis of Alliant Cashback Visa Signature Credit Card


  • near-unbeatable 2.5% cash back rate

  • no foreign transaction fees

  • generous credit line


  • no intro APR offer

  • no welcome bonus

Alliant Cashback Visa Signature Credit Card Highlights

Visa Signature Tiered Rewards Program: Each billing cycle will receive a 2.5% cash back for eligible purchases of $10,000 before the purchase. All other eligible purchases can receive an unlimited 1.5% cash back with no annual fee. If you are in a You are not eligible for the first-level rewards during the calendar quarter, you will automatically receive the second-level rewards in the next quarter: unlimited 1.5% cash back for all eligible purchases, how to maximize your cash back through the first-level rewards and get the first-level rewards .Meet the Alliant high-interest checking account requirements for each month of the previous calendar quarter*. In each month of the previous calendar quarter, the average daily balance of your Alliant high-interest checking account was maintained at $1,000 or more. Eligibility will be determined quarterly and based on the four calendar quarters of each year, broken down into: January to March, April to June, July to September, and October to December. For example, to receive first-level rewards in January, February, and March 2022, you must meet the above requirements in October, November, and December 2021. New cardholders will initially receive secondary rewards until they meet the entire calendar quarter. 

Insurance: As a Visa Signature cardholder, when all Common Carrier fares are credited to your Visa Signature underwriting card account, you and your family members* will automatically be covered. For more information, see Visa® Your Benefit Guide: Travel Accident Insurance. Car Rental Collision Damage Waiver (ARCDW) eliminates the need to pay for the collision damage waiver or similar clauses offered by commercial car rental companies on most passenger cars, saving you insurance costs. Certain terms, conditions and exclusions apply. In order to apply for insurance, you must use your Alliant Visa Signature card to ensure transaction security. Please refer to your Visa® Benefits Guide for more information.

FQA of Alliant Cashback Visa Signature Credit Card

  • How often does my APR (Annual Percentage Rate) change of Alliant Cashback Visa Signature Credit Card?

    The APR for new purchases and balance transfers can be increased or decreased quarterly with Alliant Cashback Visa Signature Credit Card. The interest rate is determined by adding the highest U.S. prime rate published in the Wall Street Journal on the last two working days of the previous quarter plus a profit margin of 8.99%-18.99%.
  • What is an authorized user on my Alliant Cashback Visa Signature Credit Card?

    Alliant Cashback Visa Signature Credit Card authorized users are those who have the right to use the accounts of other cardholders and make purchases. They aren't legally responsible for any debts. Authorized user status can assist you improve your credit score. As an authorized user, credit score will be affected positively and negatively.
  • Are there any fees associated with my Visa Signature Credit Card?

    If payment is delayed or returned, a fee will be charged. For balance transfers, a fixed dollar amount or fee will be charged. There is no annual fee for the Alliant Cashback Visa® Signature card. Please find more information in their terms and conditions.
  • Can I transfer balances from my other credit cards to my Alliant Cashback Visa Signature card?

    Absolutely. They can easily transfer balances from your other credit cards, so you can save money with Alliant's low interest rates. You can transfer your balance at the time of application or after your Alliant Cashback Visa Signature card is approved. There is a 3% fee for the balance transfer.

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