Your cash back expires in December of the fourth calendar year following the year you earned your rewards. Here’s why: This card offers 2.5% cash back on qualifying purchases — with no categories to track. These travel perks and protections include travel and emergency assistance services, Visa Auto Rental Collision Damage Waiver, access to Visa Luxury Hotel Collection, and Visa Signature concierge. Some customers say Alliant is very conservative when approving new customers — meaning you’ll have better chances with a good to excellent credit score and a low credit utilization ratio. The addition of a very competent APR, no foreign transaction fees, and Visa Signature benefits are also excellent. to us. If you are Cardholders also don’t need to worry when using their card abroad, as there are no foreign transaction fees. Qualify for Alliant Credit Union membership; Alliant Cashback Visa Signature Credit Card Review. If you’re not sure if the Alliant Cashback Visa® Signature Credit Card is right for you, compare other cashback cards. Those who were approved for the Alliant Cashback Visa® Signature Credit Card say they’re pleased with its cash back. Input your current credit card balance and interest rate to calculate your potential savings. During the first year, this credit card is a total no-brainer. 32 East 31st Street, 4th Floor, We strive to ensure our content is clear and honest. 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases, 0% intro for the first 12 months (then 13.99% to 23.99% variable), $0 intro annual fee for the first year ($95 thereafter), Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. New York, NY, 10016. It’s important to note this is a credit union card, so you should be … Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. What are my odds of approval for the Alliant Visa Signature Card? If you’re a member of Alliant, click Log in & apply. Bank. Read the Consent to Conduct Business Electronically agreement. The devaluation is reversed. Benefits. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Otherwise, consider another option, such as the Citi® Double Cash Card. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. What is the minimum payment for this card? information service that aims to provide you with information to help you make better decisions. Get this card if you want excellent flat-rate cash back and spend at least $19,920 in purchases a year. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Before applying, you should aim to have good credit, which means a score of at least 700. You’ll earn an unlimited 3% cash back in your first year, and then an unlimited 2.5% cash back after the first year for all of your purchases. You’re eligible if you’re: If none of the above describes you, you can join Foster Care to Success (FC2S) through Alliant Credit Union. Few will realistically pass this monthly cap, but they’ll still earn $250 in cash back during that period, even if they do. The Alliant Cashback Visa Signature features a highly competitive APR starting at around 12%. Terms apply, see, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases, 0% intro for the first 15 months (then 13.99% to 23.99% variable), This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. While the cash back potential with the Alliant Visa Signature is great – it isn’t for everyone. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. This card has no foreign transaction fee and comes with an annual fee of $99.However, the fee will be waived during your first year of card ownership. BestCards does not include all card companies or all card offers available in the marketplace. This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining. However, card providers tend to favor applicants who have good to excellent credit scores of 670 or higher. Optional, only if you want us to follow up with you. HT: DoC/MyFICO. The Alliant Visa Signature Credit Card offers 2.5% flat cash back on all purchases with a $99 annual fee. This card isn't available on Finder right now. Finder.com LLC. Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Log in to your Alliant online account to redeem your cash back. According to Alliant, you’ll typically receive your card in the mail within seven to 10 days if you’re approved. The Alliant Credit Union Visa Signature card mainly uses the TransUnion credit bureau for approval. Under the “What are you applying for?” section, click the bubble next to Visa Signature. This makes you eligible for Alliant membership. Of course, the better your credit, the better your chances of qualifying. Who can qualify: To join Alliant Credit Union, you need to meet one of the requirements below. Competitive rewards: Alliant Cashback Visa Signature Credit Card’s 2.5% cash-back rate is one of the most competitive on the market.Customers can earn this rate on up to $10,000 worth of purchases per month, with a maximum cash-back earnings of $250 each billing cycle. If you’re not, click Apply as a new member. The card has a low standard variable annual percentage rate of 12.24% to 22.24% based on your creditworthiness. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This can be done in a variety of ways; the easiest is … 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. We may rely on information that is provided We make it easy to transfer balances from your other credit cards so you can save money with Alliant's low interest rates. The annual fee makes it best for people that make a high amount of purchases on their credit cards, at least $20,000 a … The Alliant Cashback Visa Signature Credit Card is a low-interest rewards card that earns unlimited cash back and provides some basic travel benefits. To apply for this card, you must join the Alliant Credit Union. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Blue Cash Preferred® Card from American Express, Blue Cash Everyday® Card from American Express, $0 intro annual fee for the first year ($99 thereafter), 2.5% cash back with no categories to track, $10 or 3% of the cash advance amount, whichever is greater, Alliant Cashback Visa® Signature Credit Card, $398, assuming you pay off your purchases, $500, assuming you pay off your purchases. While. HT: DoC. But this doesn't mean it can't pull your report from the other major credit bureaus Experian and Equifax. You can transfer a balance when you apply or after you've been approved for your Alliant Cashback Visa Signature card. The Aliant Credit Union Visa Signature is an excellent cash back card that gives the major banks a run for their money. Alliant will review your credit and employment history and any other information permitted by law to process your application. 2021.1 Update: The points are devalued from 1 cent/point to 0.66 cents/point! Only those with an excellent credit score in the mid-700s will find themselves approved. The Alliant Cashback Visa Signature Credit Card offers exceptional cash back rewards, premium travel perks, and no foreign transaction fees. According to Alliant, there’s no minimum credit score to qualify for this card. Get your hands on the Alliant Cashback Visa® Signature Credit Card and take advantage of the exhilarating true cashback 3% in year one & 2.5% cash back after. Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. Employment information and annual income. Complete the application form with details like your name, date of birth, contact information, Social Security number, employment information and income. Apply with a good to excellent credit score of 670 or higher. Best for cash back: Alliant Cashback Visa® Signature Credit Card. Plus, the card … We keep our reviews completely factual so you can use them to make better decisions. Terms apply, see, 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases, 0% intro for the first 15 months (then 14.99% to 23.74% variable). It currently has over 30 complaints on its BBB profile, many of which are reported as answered or resolved. Finder is committed to editorial independence. As a first year promotion, the annual fee is waived. To be fair, the Alliant Cashback Visa® Signature Credit Card has an annual fee starting the second year. 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 … Then click the, Under the “What are you applying for?” section, click the bubble next to, Under “Which option best describes what you would like to do?” select. Be sure to check out the Alliant Cashback Visa ® Signature Credit Card if you’re in the market for a new card. The Alliant Visa Signature Card offers one of the highest flat cash-back rates on the market, but its annual fee means it's only right for high spenders. A member of an Alliant partner organization. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Alliant Credit Union recently rolled out its Alliant Cashback Visa ® Signature Card, which may very well be the “holy grail” of unlimited cash back cards. Live or work in one of the communities near the credit union’s Chicago corporate headquarters The Alliant Visa Platinum Rewards Card features two introductory bonuses: one for points and another for APR. Debit Cards. To be approved for the Alliant Cashback Visa® Signature Credit Card, you must be an Alliant credit union member. Alliant Visa Platinum Rewards Card Review 2021.2 Update: The points are worth 1 cent/point again. There’s no limit to the cash back award you can earn, no foreign transaction fees, and even a generous credit line. The Alliant Cashback Visa Signature Credit Card offers a competitive cash back rewards rate -- with the potential to earn up to $3,000 in cash rewards … You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances. Alliant Cashback Visa ® Signature Card gives cardholders unlimited 2.5% cash back on all purchases This card does have a $99 annual fee, waived the first year. There's also an intro APR 0% offer: 0% intro APR for 15 months on purchases, and then the ongoing APR of 14.99% - 23.74% Variable APR. Then click … Here’s the effective cash back you’d earn from both cards: Even with its incredible cashback rate, the Alliant Cashback Visa® Signature Credit Card will eat into your rewards with its annual fee. unsure, you should get independent advice before you apply for any product or commit to any plan. Alliant Visa Signature Card Review 2019.4 Update: The annual fee is increased from $59 to $99 now. Navigate to the Alliant Cashback Visa® Signature Credit Card page and click Apply online. Earning 2.5% back on up to $10,000 in purchases per month is an amazing value – even for a $99 annual fee (which Alliant waives for the first year). 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. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. That rate is well below the national average for a rewards card, but not for similar products from other major credit unions. Cardholders earn 2.5% cash back on up to $10,000 in purchases each billing cycle. Credit Card Review: Alliant Signature Visa I always gives the disclosure to not apply for reward credit cards if your credit score is below 700. At Finder, we value and respect our editorial independence. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Since the Alliant Cashback Card is a Visa Signature product, cardholders will enjoy a plethora of Visa travel benefits. There aren’t many that can provide the enormous cash back potential of the Alliant Cashback Visa Signature. New cardholders can earn 3% cash back during the first year, then 2.5% thereafter. In order to earn more with the Alliant Visa Signature than the Citi Double Cash Card, you’ll need to … 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. We may also receive compensation if you click on certain links posted on our site. In some cases, you’ll actually earn more rewards with the Alliant card than some of your other cards’ bonus category spend. The card earns an impressive 2.5% cash back on all eligible purchases – a full percentage-point higher than cards like the Chase Freedom Unlimited or Amex Cash Magnet. Alliant Cashback Visa Signature Card is one of the highest-earning flat-rate rewards cards on the market. You’ll need to spend $3,960 annually to offset the card’s $99 annual fee with the cash back you earn. Alliant Credit Union Visa® Signature Credit Card has a variable purchase APR that ranges from 12.24% up to 22.24%. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. In a sea of big-bank cards, the Alliant Cashback Visa® Signature Credit Card holds its own. Beyond 0% APR, new cardholders receive 5,000 bonus points when they use their Alliant Visa Platinum Card to make $500 or more in purchases … 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. That will eat into your rewards, so analyze your spending before you jump on this card. There are plenty of great flat-rate cash back cards on the market today. ALLIANT CASHBACK VISA® SIGNATURE CARD PROGRAM SUMMARY Alliant Cashback Visa Signature Card Agreement Summary: Your APR is based on meeting Alliant Credit Union’s criteria for creditworthiness. The Alliant Cashback Visa Signature Card is a tremendous credit card for everyday spend. The card is designed for high spenders with excellent credit – and those individuals will struggle to find a better offer on the market today. You must be at least 18 years old to apply for the Alliant Cashback Visa® Signature Credit Card. With an APR starting at 11.24%, the card doesn’t have the inflated interest rates common among many other cash back cards. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software. 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 a credit card… If your credit is excellent/good, you might qualify for the Alliant Cashback Visa® Signature Credit Card, which comes with a generous cashback rate and low APR compared with competing credit cards. If you spend at least $19,920 a year on your card, the Alliant Cashback Visa® Signature Credit Card could be the right choice. Overall, the Alliant Cashback Visa Signature Credit Card is an exceptional credit card that is something of a no-brainer – for a select few. Here’s the effective cash back you’d earn from the Alliant Cashback Visa® Signature Credit Card, after your first card year, and the Citi® Double Cash Card based on $19,920 in spending: Now, let’s say you spend $25,000 a year. When it comes to reporting your financial activity, this card reports to all three major credit bureaus on a … Quietly! finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $99 for the privilege. You may receive immediate conditional approval after you submit your application. There are plenty of great flat-rate cash back cards on the market today. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Look out for the $99 annual fee starting the second year, which will take a bite out of your rewards. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge. I assume that you would need a relationship with Alliant to apply for this card. However, that point is likely irrelevant, as the cash back rewards and travel perks are tough to pass up. A resident or employee in an eligible community in Illinois. An employee of an Alliant partner organization. Navigate to the Alliant Cashback Visa® Signature Credit Card page and click, Read the Consent to Conduct Business Electronically agreement. The Aliant Credit Union Visa Signature is an excellent cash back card that gives the major banks a run for their money. The Alliant Signature Visa deserves to be in the conversation of cards that your wallet needs. Then click the I agree checkbox and Continue. The card features a high credit score threshold for applicants. Alliant Credit Union has been accredited by the Better Business Bureau (BBB) since 2004, and it has a A+ rating with the agency. We may receive payment from our affiliates for featured placement of their products or services. This heavy-hitter rewards card has uncontested value. If you spend at least $19,920 on your card per year, however, the Alliant Cashback Visa® Signature Credit Card‘s excellent rewards rate can give you top-notch cash back. Yes. Pick something else if you want tiered rewards. 12.24% to 22.24% variable based on creditworthiness and the Prime Rate, 20.24% to 24.24% variable based on the Prime Rate, Earn 2.5% cash back with no categories to keep track of, Earn up to $250 in cash back per billing cycle, Use this card with Apple Pay, Google Pay, and Samsung Pay, Plan to spend heavily using their credit card, Qualify for Alliant Credit Union membership. It’s 3% of your balance or $25, whichever is greater, in addition to any previous minimum payments you haven’t made. You can redeem if your rewards balance is at least $25. A fee of 3% of the balance transfer applies. If your credit score meets the scrutiny, and you are an Alliant Credit Union member, the Alliant Cashback Visa Signature Credit Card is a can’t-miss offer. Earn An Impressive Flat-Rate of Cash Back. You can receive a statement credit on your balance or a deposit into your Alliant bank account. The card features an annual fee of $99, which Alliant waives for the first year. Alliant doesn’t post strict requirements for qualifying for the Alliant Visa Signature Card. As impressive as the 2.5% back on purchases is that Alliant only caps that rate after $10,000 in purchases per billing period. Finder.com is an independent comparison platform and We may receive compensation from our partners for placement of their products or services. If Alliant needs to review your application further, hold tight for up to a few weeks. Cash rewards. The Alliant Cashback Visa® Signature Credit Card currently doesn’t have a signup bonus. To ensure you have the most up to date information, you should verify relevant information with the product or service provider and understand the information they provide. Alliant Cashback Visa Signature Credit Card. We may also receive payment if you click on certain links posted on our site.
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