Alliant Cashback Visa Signature Credit Card: Is the Alliant Cashback Card Right for You?

The Alliant Cashback Visa Signature Credit Card is one of the top cash-back credit cards available today. It offers an industry-leading earning rate for eligible cardholders. With no annual fee, valuable benefits, and a straightforward rewards structure, this card can be hugely rewarding for certain consumers.

In this article, we will explore the key features and benefits of the Alliant Cashback Card to help you determine if it’s the right card for your wallet.

Alliant Cashback Card Overview

The Alliant Cashback Visa Signature Credit Card is issued by Alliant Credit Union, one of the largest credit unions in the U.S. Here are some of the key highlights of this cash back card:

Earn Up to 2.5% Cash Back – Cardholders can earn an unlimited 2.5% cash back on the first $10,000 in purchases each billing cycle when eligibility requirements are met (more details below). All other purchases earn 1.5% cash back.
No Annual Fee – There is no annual fee for this card, making the rewards very lucrative.
No Foreign Transaction Fees – The Alliant Cashback Card does not charge foreign transaction fees, making it a great option for international travel.
Free Employee Cards – Primary cardholders can request free employee cards for authorized users.
Valuable Benefits – Cardholders enjoy perks like personal identity theft protection, extended warranty coverage, and rental car collision damage waiver.
Easy Redemption – Cash back can be redeemed as a statement credit or direct deposit into an Alliant bank account.

Reward Rates

Now let’s take a closer look at the reward rates, eligibility requirements, and other key details of this cash back credit card from Alliant Credit Union.

Earning Up to 2.5% Cash Back

The Alliant Cashback Card offers a two-tiered cash back earning structure. You can earn the highest rewards rate by meeting some simple eligibility requirements.

2.5% Cash Back Tier

To qualify for the top 2.5% cash back rate, you must:

Have an Alliant high-rate checking account
Maintain a minimum $1,000 average daily balance in that checking account
Have at least one direct deposit made to the checking account each month
Opt-in for e-statements

If you meet all of those requirements, you’ll earn:

2.5% cash back on the first $10,000 in eligible purchases each billing cycle
1.5% cash back on all additional purchases

This means you can earn up to $250 per billing cycle when you maximize the 2.5% tier. Over the course of a year, that equates to $3,000 cash back.

1.5% Cash Back Tier

If you don’t meet the eligibility criteria above, you’ll earn:

1.5% cash back on all eligible purchases

While 1.5% is lower than the top tier, it still competes well with other standard cash back cards.

The Alliant Cashback Card makes it easy to earn a high rewards rate on all your spending without needing to track bonus categories every quarter. For big spenders who can maximize the 2.5% tier, it can be one of the most lucrative options available.

Lucrative Welcome Bonus

When the Alliant Cashback Card first launched, it offered a lucrative welcome bonus. However, at this time there is no new account promotion available.

While other cash back cards tend to offer signup bonuses up to $200 or $250, the Alliant Card focuses its value on high ongoing earn rates rather than a large one-time bonus.

If Alliant brings back a welcome offer in the future, it will make this card even more rewarding for new applicants.

Is the Alliant Cashback Card Right for You?

The Alliant Cashback Visa Signature Credit Card offers an extremely high cash back rate for eligible cardholders – up to 2.5% back is about as good as it gets for non-category specific cards! If you can meet the requirements to qualify for the top tier rewards, this card should be strongly considered.

Here are some final pros and cons to help determine if the Alliant Cashback Card is a good fit for your spending and financial situation:

Pros

Lucrative 2.5% cash back earning rate on up to $10,000 per billing cycle
No annual fee
No foreign transaction fees
Suite of premium travel and shopping benefits
Easy cash back redemptions with no expiration
Complimentary employee cards available

Cons

Requires Alliant checking account and direct deposit to maximize rewards
No intro APR offer for purchases or balance transfers
Cash back caps at $10,000 in purchases per billing cycle
Only offers 1.5% base cash back if you don’t meet requirements
No welcome bonus available currently

Credit Requirements and Fees

The Alliant Cashback Visa Signature Card is designed for applicants with good to excellent credit (credit scores generally 670 and higher). To qualify, other factors including your income, existing debt levels, and banking history will be considered.

There is no annual fee for this card. The only fee to be aware of is:

Balance Transfer Fee – 3% of the amount transferred with a $3 minimum

The regular purchase and balance transfer APR ranges from 17.49% to 27.49% variable. There is no intro 0% APR offer.

This card is best suited for applicants who don’t carry balances and pay off their statement balance in full each month. With a high ongoing APR, you’ll want to avoid interest charges by not revolving a balance.

Steps to Apply for the Alliant Cashback Visa Signature Credit Card;

Step 1. Become an Alliant Credit Union Member

The Alliant Cashback Card is only available to members of Alliant Credit Union. If you aren’t already a member, you’ll need to join first.

Anyone can become a member by making a $10 donation to the Alliant Credit Union Foundation. This donation allows you access to all of Alliant’s banking and credit card products.

You can make the donation and open your Alliant membership online in minutes.

Step 2. Check Your Eligibility

Before applying, it’s a good idea to check your eligibility for this card. The Alliant Cashback Card is designed for applicants with good credit or better. Some other eligibility factors include:

Minimum credit score of 670
Stable income
Low debt-to-income ratio
No recent bankruptcies or public records

Checking your credit reports ahead of time can help you determine if you meet the baseline requirements.

Step 3. Submit Your Application

Once you’ve joined Alliant Credit Union, you can complete the online application for the Cashback Visa Signature Card.

You’ll need to provide basic personal information including:

Name
Address
Date of birth
Social Security Number
Estimated income

After submitting the application, you’ll generally receive an instant decision letting you know if you’re approved.

Step 4. Activate and Use Your Card

If approved, your new card will arrive within 7-10 business days. You’ll need to activate it before using it for purchases.

Be sure to make your Alliant checking account and direct deposit arrangements to qualify for the top 2.5% cash back rate on up to $10,000 in spending each billing cycle.

Then you’re all set to start earning unlimited cash rewards! The Alliant Cashback Card makes it easy to maximize value with one simple, high-earning card.

Alliant Cashback Visa Signature Credit Card Login

Here are the steps to login to your Alliant Cashback Visa Signature Credit Card online account:

Go to the Alliant Credit Union website at www.alliantcreditunion.org
In the top right corner, click “Log In”
Enter your Alliant Credit Union username and password

Once logged into your Alliant account, click on “My Credit Cards” in the top menu

This will bring up a list of all your Alliant credit cards, including the Cashback Visa Signature Card

Click “Make a Payment” on your Cashback Card account line

This will take you into the online account portal for your Cashback Card

Within the account dashboard, you can see your balance, available credit, recent transactions, statements, make payments and more

If you want to update any of your personal details, like your address, you can do so under “Cardholder Settings”

Under “Rewards” you can view your current cash back balance and redemption history
And under “Services” you can set up account alerts, paperless statements and other preferences

Whenever you want to log back in, just go to www.alliantcreditunion.org and enter your username and password – then select your Cashback Card account to access the login portal.

If you have forgotten your username or password, you can click the links to recover your credentials.

Conclusion

The Alliant Cashback Visa Signature Card delivers exceptional ongoing value for big spenders who can take advantage of the 2.5% cash back tier each billing cycle. It combines high rewards with premium benefits and no annual fee for a winning combination.

If you spend heavily each month and want to simplify earning with an unlimited flat-rate cash back card, the Alliant Cashback Card should be high on your list for consideration. Meet the eligibility requirements and enjoy earning up to 2.5% cash back!

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