Advertisement. Related Credit Cards. Alliant Visa Platinum vs. other non-fee 2% cashback cards: Citi Double Cash doesn't require any banking relationship to apply or to redeem, but has a $25 minimum before you may redeem. Where Is My Stimulus Check? The Platinum and Alliant Visa® Platinum Rewards Card cards come with intro APR offers on balance transfers for … Most people will only want to sign-up for one credit card at a time, therefore it’s important to consider the opportunity cost of picking one over another. As we showed in the math example above, getting 2.5% back through the Alliant Cashback Visa® Signature Credit Card while also paying an annual fee will only be worth it if you spend above that $11.8k annual threshold. In terms of fees, cardholders must contend with its annual fee: $99, waived the first year. While it offers pure simplicity, the Citi Double Cash also has no sign-up bonus, no bonus rewards categories and not many built-in perks. It does feature an annual fee of $0 for the first year; $99 thereafter. Now cashback can be transferred to Citi ThankYou Points (TYP) at a ratio of 1:1, meaning every dollar spent on the DC earns the equivalent of 2 TYP. The TD Double Up Card and Citi Double Cash Card both allow you to earn up to 2% cash back after qualifying activities. If you compare this card to a no-fee 2% card, then you would need to spend $19,800 each year to come out ahead. For more information please see our Advertiser Disclosure. Here are three other cards you might like for earning cash back on purchases. Here's which card has a better rewards program. 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Now if only PenFed would give me a CLI on their $4.5K toy card. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. I'll hopefully have their Visa Signature in another 5-6 months. The Alliant Cashback Visa Signature Card is easily comparable to the Citi Double Cash Card. Caroline Lupini is the Credit Card and Travel Analyst for Forbes Advisor. However, if your spending is more varied, go with the Citi® Double Cash Card – 18 month BT offer instead. Also, you’ll need to join Alliant Credit Union in order to apply for its Visa Signature card. For those who don’t mind putting a little time into juggling more than one card or keeping track of bonus categories and rotating categories, it’s possible to maximize cash back earned with a combination of other cards. 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 $250 cash back per month and $3,000 in a year. This store cre... Navy Federal Platinum Credit Card 2021 Review. The Alliant Cashback Visa Signature credit card offers a hassle-free rewards structure. Cardholders Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. Get the Signature Card if you want cash back, and the Alliant Visa® Platinum Rewards Card Card if you’re after a variety of rewards. For those who don’t fit into both of those categories, it may be difficult to get approved for a new account. All Visa credit cards come with benefits such as rental car insurance, roadside dispatch and emergency card replacement.On top of those “Visa Traditional” perks, Visa Signature credit cards give you extended warranties, a detailed year-end summary and travel assistance services. This site may be compensated through a credit card issuer partnership. The 2.5% cash back and no annual fee really makes a difference. AmEx SPG earns 1x SPG point on all purchases, but SPG points are valuable. With the monthly rewards cap after spending $10,000, it’s not a good option for very large spenders or for exclusive use in months with higher-than-normal expenses. Wells Fargo Visa Signature Card vs Citi Double Cash. After hitting the $10,000 monthly spending cap, no additional cash back will be earned until the next month. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency. Spending $1,000 on eligible purchases is enough to earn $25 in cash back at a 2.5% cash back rate. If you spend more than $11,800 in a year, then Alliant Visa Signature is the better choice. The Citi Double Cash does not charge an annual fee and offers 2% cash back on purchases—1% when the purchase is made and 1% when it’s paid off. © 2021 Forbes Media LLC. Alliant Cashback Visa Signature vs. Citi® Double Cash Card The Alliant Cashback Visa Signature Card is easily comparable to the Citi Double Cash Card. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. Best for earning a high rate of cash back on all purchases, Earn Unlimited 2x miles on every purchase, every day. One thing to consider, however, is the fact that you don’t need to open any Capital One bank account when you open the Capital One Venture Rewards Credit Card. The card is globally accepted and security is enhanced when used at merchants that use chip enabled terminals to accept payment. APR=Annual Percentage Rate. She's a credit card enthusiast and digital nomad who has leveraged credit cards to travel around the world for next to nothing, often in style. 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. So, unredeemed cash back earned in 2021 will expire on the December 2025 billing cycle date. Citi Double Cash MasterCard vs. Alliant Visa Signature (2.5% cashback with a $99 annual fee): if your annual spending is larger than $20,000, Alliant Visa Signature is a better cashback card which also waives foreign transaction fees. Elan Fidelity Visa requires a linked Fidelity account (brokerage, cash management, retirement, or 529 account) and a $50 minimum to redeem for 2% cashback. The no-annual fee... Forbes adheres to strict editorial integrity standards. If you want a hassle-free card to put all your purchases on, this is a good one to go with. The Chase Freedom is not currently available to new applicants. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our. Both cards have their annual fee waived during the first year of card membership. The first compares the Alliant Cashback Visa® Signature Credit Card (which has an annual fee of $99, waived the first year) to no-annual-fee 2% cashback cards such as the Citi® Double Cash Card , while the second table compares the annual fee Capital One Spark Cash for Business and the Capital One Spark Miles for Business to cards offering 1.5% rewards with no annual fee. Alliant Cashback Visa® Signature Card Agreement (PDF) Alliant Cashback Visa® Signature … Sign-up bonus: Receive 10,000 Bonus Points—which equals $100 cash back, when deposited into an eligible Fidelity account—after you … This compensation comes from two main sources. Best Personal Loans For Debt Consolidation, Best Investment Apps For Managing Portfolios, The 5 Best Round-Up Apps For Saving Money. It’s also worth noting that membership in Alliant’s credit union is required to open an account, but it’s easy for anyone to become a member with a small donation to Foster Care to Success. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. But once you clear that introductory period, things become less clear when trying to decide between it and the Citi Double Cash. However, the Alliant Cashback Visa® Signature Credit Card will always come out on top, because it offers a superior rewards rate – 2.5% versus the 2% on the Capital One Venture Rewards Credit Card. Many of the best travel credit cards and best cash back credit cards have the Visa Signature logo stamped on the card. Alliant Visa Platinum Rewards (this post) Alliant Visa Signature; Historical Offers Chart. Before considering the card's rewards, however, it is important to know that it comes with a $550 annual fee. Citi® Double Cash Card (DC) Review [2019.9 Update]: This card has been revamped. You just need to make sure you’re spending over $19,800 annually on your card. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. 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. Due to the fact that the Alliant Cashback Card has an annual fee, a cardholder would need to spend at least $19,800 on the card per year to come out ahead from the additional 0.5% in cash back compared to the Citi Double Cash—and not spend more than $10,000 on the card in any one billing cycle. This is just one scoring method and a credit card issuer may use another method when considering your application. Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases. Grace Period: 25 days from statement closing date or the due date listed on statement, whichever is longer, Minimum Interest Charge: $1 (If the card issuer charges you interest). The Alliant Cashback Visa Signature credit card’s cash rewards rate of 2.5% cash back on eligible purchases (up to $10,000 per month) sets the card apart. If Amazon.com makes up a large chunk of your total purchases, the Amazon Prime Rewards Visa Signature Card is the better deal. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). Ignore this card if you spend less than $19,800 per year – at that point you should consider other options, like the Citi® Double Cash Card – 18 month BT offer. U.S. Bank Business Cash Rewards World Elite Mastercard 2021 Review. For some consumers, the Alliant Signature card falls a bit short of perfection. Citi Double Cash (DC) is probably the best one among these cards because you can get it from downgrading a card that has a huge sign-up bonus, also its cashback can be converted to potentially more valuable ThankYou Points (TYP). i have a citi dc also. Per Alliant, cash back earned expires four calendar years after it was earned (with the December billing cycle). Citi Double Cash The Citi Double Cash Card gives you extra incentive to practice healthy credit habits. Visa Signature is the second-highest tier Visa credit card you can get. As mentioned, when taking the fee into consideration, you need to spend over $1,000 per month on the Alliant Cashback Visa ® Signature Card. Annual Fee: $0 for first year, then $99. If you’re not sure, look for the Visa logo and you should see the word “Signature… First, it’s pretty clear that Year 1 of the Alliant Visa Signature Card is going to be pretty fantastic. It’s designed for high spenders with excellent credit. The Alliant Cashback Visa Signature Credit Card is one cash back rewards option to consider. If you don’t want to own an American Express credit card (i.e., Wells Fargo Propel), the Wells Fargo Visa Signature could be a worthy alternative. The Chase Sapphire Reserve® is a premium credit card that has the potential to earn its users a lot more than just 2.5% back, depending on how they use it. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. Alliant Cashback Visa Signature Credit Card. Unlike the Alliant Card, the Blue Cash Preferred offers an introductory 0% on purchases for 12 months followed by a regular APR of 13.99%-23.99% Variable . If you spend at least $19,920 a year on your card, the Alliant Cashback Visa® Signature Credit Card could be the right choice. With an APR starting at 11.24%, the card doesn’t have the inflated interest rates common among many other cash back cards. The Alliant Cashback Visa® Signature Credit Card is ideal for users who want to do a lot of spending that isn’t specific to certain rewards categories. the main card i use is us bank cash + , and i want to use one or the other as a catch all, citi dc or alliant platinum rewards. Best premium flat-rate cash back card: Alliant Visa Signature Card. Note: You must have an Alliant Credit Union account to apply for this card. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. Must have excellent credit to get approved, No cash back on spending over $10,000 per month, Either $10 or 3% of the amount of each cash advance, whichever is greater. For its replacement, see our review of the Chase Freedom Flex℠. We matched the Alliant Cashback Visa® Signature Credit Card against some popular alternatives to see how it stacks up. The site does not review or include all companies or all available products. Although it has an annual fee it has unlimited cash back so if you spend more than 12000 a year than the extra 0.5 percent pays off. Balance transfers. Estimated 2-Year Net Rewards Per Card Based On Average Consumer Expenditures. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Additionally, it’s worth mentioning that you can’t get this card unless you have an Alliant checking or savings account. The Citi Double Cash Card has a higher redemption value, but the sign-up bonus for the Alaska Airlines Visa is worth more. Joe is currently a research analyst who covers credit cards and the payments industry. For some, a 2% cash back card without an annual fee, like the Citi® Double Cash Card, may be a better fit.
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