Alliant Cashback Visa® Signature Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Alliant Cashback Visa® Signature Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateNo foreign feeSpending caps on rewardsNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfers
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Alliant Cashback Visa® Signature Credit Card has a rating of 4.2/5 according to our proprietary credit card rating system. This rating reflects how appealing Alliant Cashback Visa® Signature Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, Alliant Cashback Visa® Signature Credit Card earned a score of 5.0/5 for Fees, 3.4/5 for Rewards, 4.7/5 for Cost, and 4.4/5 for User Reviews. Info about the Alliant Cashback Visa® Signature Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
4.4/5
18 reviewsRead and write reviews
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
5.0
Rewards
3.4
Cost
4.7
Other Features
0.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
17.49% - 27.49% (V)
Balance Transfer
APR: 17.49% - 27.49% (V)
Balance Transfer Fee:3%
Rewards
*Tier One Rewards: Earn 2.5% cash back on your first $10,000 monthly eligible purchases and earn 1.5% cash back on your monthly eligible purchases above $10,000. Terms apply.
Tier One Rewards Terms: In order to be eligible for Tier One Rewards the cardholder must meet the requirements for an Alliant High-Rate Checking account each month of the preceding calendar quarter and maintain an average daily balance of $1,000 or more in their Alliant High-Rate Checking account for the preceding calendar quarter.
If you don’t qualify for Tier One Rewards during a calendar quarter, you will automatically earn Tier Two Rewards – unlimited 1.5% cash back rewards on all qualifying eligible purchases.
Alliant Cashback Visa® Signature Credit Card's Additional Info
Works with Google Pay™, Apple Pay™ and Samsung Pay™.
Travel Benefits: $250,000 Travel accident coverage, Rental car collision coverage and Roadside assistance.
Up to $5,000 of Personal Identity Theft Protection for covered expenses to restore your identity.
Purchase Security coverage protects your purchases for the first 90 days after purchase, and Double Warranty Coverage effectively doubles manufacturer warranties.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
4.4
Market Comparison
4.2
fees: 5.0
rewards: 3.4
cost: 4.7
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
(18)
(323)
(5,048)
annual fee$0
annual fee$0
annual fee$0
rewards rate 1.5 - 2.5% Cash Back
rewards rate 1 - 8% Cash Back
rewards rate 1.5 - 5% Cash Back
bonus offerNone
bonus offer $200
bonus offer $200
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Can't find what you are looking for? Submit your question about Alliant Cashback Visa® Signature Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The starting credit limit for the Alliant Cashback Visa Signature card is $10,000. That's the amount everyone who's approved for the card is guaranteed to get.
In time, you could qualify for a credit limit increase by always paying your bills in full by their due date and by improving your credit score and income.
An excellent credit score is needed to apply for the Alliant Visa Signature credit card. But this doesn't mean that your credit score alone will guarantee your approval. The issuer will also look at your income and debts to decide if you're a good fit for this card.
*Tier One Rewards: Earn 2.5% cash back on your first $10,000 monthly eligible purchases and earn 1.5% cash back on your monthly eligible purchases above $10,000. Terms apply.
Tier One Rewards Terms: In order to be eligible for Tier One Rewards the cardholder must meet the requirements for an Alliant High-Rate Checking account each month of the preceding calendar quarter and maintain an average daily balance of $1,000 or more in their Alliant High-Rate Checking account for the preceding calendar quarter.
If you don’t qualify for Tier One Rewards during a calendar quarter, you will automatically earn Tier Two Rewards – unlimited 1.5% cash back rewards on all qualifying eligible purchases.
The Alliant Cashback Visa® Signature Credit Card's foreign transaction fee is 0%. That makes it an ideal travel companion because you won't be charged extra when using your card in another currency. And for the same reason, it's also a great choice for online purchases from international merchants.
The Alliant Credit Union Visa Signature card mainly uses the TransUnion credit bureau for approval. But this doesn't mean it can't pull your report from the other major credit bureaus Experian and Equifax.
When it comes to reporting your financial activity, this card reports to all three major credit bureaus on a monthly basis.
You can pay your mortgage with the Alliant Credit Union Visa Signature card if your mortgage lender accepts credit card payments, but they usually don't.
While there are some third-party services that might help with this matter, it always involves some fees and it isn't really recommended.
Making a mortgage payment with a credit card will also increase your credit utilization ratio and hurt your credit in the long run.
No, the Alliant Cashback Visa® Signature Credit Card does not give you an instant card number when you're approved, so you'll need to wait until your physical card arrives before you can begin making purchases. Generally, new Alliant Credit Union credit cards arrive within 14-21 days after you're approved.
If this isn't fast enough, you can call Alliant Credit Union at 800-328-1935 to request expedited shipping.
You can apply for the Alliant Cashback Visa® Signature Credit Card online, through the card's webpage. By doing so, you can easily access the credit card application form and complete it at your own pace. But that's not the only way to do it.
How to Apply for an Alliant Cashback Visa® Signature Credit Card
Online: Visit the card's webpage and select the "Apply Online" button. On the next page, select "Log in & Apply" if you're already an existing member. Otherwise,...
Nearly all Alliant Cashback Visa® Signature Credit Card purchases are eligible for cash back rewards. They include groceries, gas, dining and entertainment, online purchases, travel expenses and more. There are no category restrictions and no limits on cash back earnings.
There are, however, a number of purchases and transactions that are not eligible for rewards. For example, money orders, or purchasing prepaid cards or gift cards will not earn rewards. Nor will lottery ticket purchases or gambling related transactions....
Share your insights and review for the Alliant Cashback Visa® Signature Credit Card
5
67%
4
22%
3
6%
2
0%
1
6%
4.4
18 reviews
18 reviews
What's Your Rating?
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Ariel @aribello53
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5 Star Rating
Verified Customer
2.5% tiered on all purchases, min 1000.00 in checking, direct deposit for each cycle if not then 1.5% on all purchases. It’s hard to beat.
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Cal @sgtironthoramerica
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5 Star Rating
Verified Customer
This Alliant Visa has a cap of $10,000 spending per billing period (per month) with earning 2.5% cash back, but let's be honest, the average Joe is NOT going to hit that ceiling so think of this as a no-limit kind of card (considering if you did spend over $10k in a month, you'd still earn the base 1.5% cash back). You'll earn the Tier 1 - 2.5% if you meet the requirements per month (maintaining an average daily balance of $1,000+ in your checking, signing up for e-statements AND have at least one direct deposit per month). If you don't do that, you'll earn the base level (Tier 2 rating) 1.5% cash back.
Solid 2.5% earnings on anything and everything with no annual fee and no foreign transaction fee, makes this the perfect all-around card to have in your physical or digital wallet, always, including trips out of the country!
If you have two little ones in daycare like I do, and daycare allows payment via credit card, this is the perfect one to do so! Paying over $1,700 a month with this card alone, earns me over $500 a year, just from this!
Better yet, pair this card with your 5% earnings cards like the Discover It, Chase Freedom Flex or Citi Custom Cash, and/or your US Bank Cash+ Visa (5% on Utilities) and you're GOLDEN!
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brian_9739 @brian_9739
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1 Star Rating
Verified Customer
Alliant struggles with fraud reports. My card was stolen. Alliant called me to report suspicious charges, which I confirmed. Alliant immediately refunded $1000 in fraudulent charges. After that, things went badly.
1) Their representative refused to go over the list of charges with me, leaving another $2000 in fraud on my bill. 2) Alliant allowed the card to be used again the next day for an additional $400 in fraudulent charges. 3) After two weeks, several phone calls, and multiple e-mails, I have still not been able to talk to a supervisor about the issue. 4) I asked what would happen if I withheld payment for the fraudulent charges. Alliant's representative said they would report it to credit bureaus as non-payment. 5) I have no idea if Alliant is ever going to refund the fraudulent charges.
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me32rwy @me32rwy
100 percent accurate. Disputes are a nightmare and exactly as you describe. I'm not sure the horrible customer service is worth the .5%
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0
0
joesph @mainiero50
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5 Star Rating
Verified Customer
Great Card to have for huge savings everyday. A must have to save on all personal expenses as it's been a life saver and good all around card.
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0
0
Cole @colet1
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5 Star Rating
Verified Customer
1.5 cash back is great! Alliant credit union has good integrations making it pretty easy to track spending. Their app isn’t amazing itself but it works well enough.
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0
0
Louis V @Bitholov
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5 Star Rating
As of July 2021, this card will have changes: $0 annual fee. Tier 1 (applicants with Alliant checking account with at least $1,000 daily balance): current rewards rate on the first $10,000 of purchases per month, and 1.5% back on purchases above $10,000 monthly. Tier 2 (other applicants): 1.5% on all purchases.
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Louis V @Bitholov
The rewards expire in 4 years.
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fredgonzalezrn @fredgonzalezrn
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5 Star Rating
I charge everything I can that I have to pay for anyway (eg. utility/other bills, gas, groceries, all other needed purchases), then pay the balance by the due date, and get back an average of $1,800. cash back annually even @ the 2.5% after the first year. Well worth the $99. annual fee. Beats my other max 1% to 1.5% cash back cards and some of those don’t count bills for cash back. My best card ever!
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Chris Najem @chrisn_37
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5 Star Rating
Verified Customer
Best Cashback card out there, plus Alliants money market fund is a nicely added bonus to deposit earnings. The apr is very low compared to other cards in its class due to it being issued by a credit union, and carries all the typical visa signature benefits along with added events and contests issued by Alliant
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5
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+ 10 WalletHub users submitted a rating without writing a full review
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2024 WalletHub Awards
Alliant Cashback Visa® Signature Credit Card is an Editor's Pick for: