Alliant Cashback Visa® Signature Credit Card Review

Alliant Cashback Visa Signature Card: Review

The Alliant Cashback Visa Signature Credit Card offers a significant cash back rate of 2.5% on all purchases up to $10,000 per billing cycle to cardholders who also have a high rate checking account. This flat cashback is available without any rotating categories or applications required, making it simple and hassle-free. Cardholders thereafter earn unlimited 1.5% cash back on all other eligible purchases. (Those without an accompanying checking account earn 1.5% back on all purchases.)

This card also comes with additional benefits and features, such as the comprehensive Visa Signature benefits package. These include car rental cover, travel accident insurance and purchase protection. Customer service and security features are also notable, with 24-hour fraud monitoring and identity theft protection. The Alliant Cashback Visa Signature Credit Card has no annual fee, and the lack of foreign transaction fees makes it a good choice for international travelers.

Alliant Cashback Visa Signature Credit Card: Rewards

Alliant offers two levels of cash back on this card:

Level 1 Rewards

• 2.5% cash back on the first $10,000 of qualifying eligible purchases per billing cycle
• Unlimited 1.5% cash back on all other eligible purchases

To qualify for Tier 1 rewards, the primary cardholder must have an Alliant High-Rate checking account and meet the following requirements each calendar month:

• Opt in to receive e-statements; and
• At least one electronic deposit posted to the account each calendar month (direct deposit, ATM deposit, mobile check deposit or transfer from another financial institution); and
• Maintain an average daily balance of $1,000 or more

Note: New cardholders will automatically earn Tier One rewards for the first 100 days after card approval.

Level 2 Rewards

• Unlimited 1.5% cashback on all eligible purchases

How to Redeem Alliant Cashback Visa Signature Credit Card Rewards

Taking advantage of cash back is easy: You can choose to receive the cash as a credit on your credit card statement (which will appear within one billing cycle) or as a deposit into your Alliant checking or savings account.

Additional benefits

In addition to cash back, the Alliant Cashback Visa Signature Card comes with several other benefits, including:

• Protection against identity theft: Get reimbursed up to $5,000 for the covered expenses you incur to restore your identity as a result of a covered identity theft event.
• Security of purchase: New retail purchases made with your eligible Visa Signature Card and/or rewards program associated with your covered Signature Account are protected against theft or damage for the first 90 days from the date of purchase.
• Travel accident insurance: You and your dependents automatically become covered when the full fare is charged to your covered Visa Signature card account.
• Waiver of damage in the event of a rental car collision: This coverage eliminates the need to pay for a collision damage waiver or similar provision provided by commercial rental car companies for most passenger vehicles. Coverage applies when you use your Alliant Visa Signature card to pay for your rental.
• Roadside delivery: Get 24-hour access to roadside assistance via a toll-free number.
• ID navigator powered by NortonLifeLock™: Stay informed and know what to do when your identity is compromised with this service that helps give you the tools to act quickly if the unexpected happens.
• Extended Warranty Protection: This doubles the term of your eligible US manufacturer warranty by up to one additional year on eligible warranties of three years or less; for guarantees shorter than one year, the term is doubled; for warranties of one year or more, an additional year of coverage is provided.

Credit cards similar to Alliant Cashback Visa Signature

If you’re interested in applying for a cash-back credit card, it’s a good idea to compare several options.

Wells Fargo Active Cash Card vs. Alliant Cashback Visa Signature Card

If you’re looking for a cash back card with a competitive fixed rate and no revolving categories to worry about, consider the Wells Fargo Active Cash Card. This card offers 2% unlimited cash back, which might be a better fit if you’re not interested in joining Alliant or don’t meet membership requirements. Also, unlike the Alliant Cashback Card, the Well Fargo Active Cash Card offers a welcome bonus and an introductory 0% annual interest rate to new cardholders.

Citi Double Cash Card vs. Alliant Cashback Visa Signature Card

Another cash back card with an impressive fixed rate is the Citi Double Cash Card. It offers 2% cashback on purchases: 1% when you make a purchase and another 1% when you pay for it. There is no limit on earnings or categories to choose from. In addition, there is no annual fee. And new cardholders can enjoy an 18-month 0% introductory APR.

Is Alliant Cashback Visa Signature Right for You?

The Alliant Cashback Visa Signature Card is a great cash back card with one of the highest flat rates available today. However, you have to become a member of a credit union to apply, which means it won’t be for everyone.

Frequently asked questions

Please note that card information is correct as of the date of publication, but is subject to change at any time at the discretion of the issuer. Contact your card issuer to check rates, fees and benefits before applying.