Alliant Visa Signature Card Review
Updated: August 25, 2024
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The Alliant Cashback Visa Signature Credit Card offers 2.5% cash back on the first $10,000 you spend on qualifying eligible purchases. To access this perk, cardholders must meet the minimum requirement for Alliant’s Tier One rewards, which includes having an Alliant High-Rate Checking account with an average daily balance of $1,000 or more.
If you don’t meet this requirement, you can qualify for its Tier Two rewards, which let you earn 1.5% cash back on all other qualifying purchases.
MoneyGeek explains the Alliant Visa Signature Card’s benefits and rewards to help you understand if this card is a good option for you.
Understanding the Alliant Visa Signature Card's fine print will give you an idea of this card's fees and other charges. This can help you save money in the long run.
Regular APR
This card charges a variable APR of 17.49% – 27.49% on purchases, which is low compared to other cards.
Annual Fee
This card doesn’t charge an annual fee.
Foreign Transaction Fee
With this card, you don’t have to pay a fee for foreign transactions. This makes it a great option to use when traveling internationally.
Late Payment Fee
You can expect to pay up to $27 in late payment fees on missing a payment with this card.
Balance Transfer Fee
With the Alliant Visa Signature Card, you have to pay a 3% amount of each transaction in balance transfer fees when you transfer your balance from another card for consolidating high-interest debt or any other purpose.
MoneyGeek explains other features of the Alliant Visa Signature Card to help you figure out if applying for this card is the right decision for you.
The Alliant Visa Signature Card compares well against other cards of the same category. It offers a high 2.5% cash back rate in Tier One Rewards and a 1.5% cash back in Tier Two Rewards. It also doesn’t charge an annual fee or a foreign transaction fee, making it a great option for use while traveling internationally. Its purchase APR is also lower than other cards.
Alliant Visa Signature Card
Capital One Quicksilver Cash Rewards Credit Card
The Alliant Credit Union requires the borrowers to have at least a fair to good credit score to get approval for its Cashback Visa Signature Credit Card.
Yes, the Alliant Visa Signature Card reports to all three credit bureaus.
After Alliant Credit Union approves your application, it usually takes 14-21 days to receive your card. It does not allow you to pre-qualify online.
The Alliant Credit Union requires your personal information like your Social Security number, name, date of birth, contact information like your address, phone number and your financial information for the Alliant Visa Signature Card application.
Yes, the Alliant Visa Signature Card offers good customer service and helpful information on its website.
Yes, the Alliant Visa Signature Card offers a mobile app that lets you make payments, view card history and manage your account online.
The Alliant Credit Union requires you to contact their customer support to raise your credit limit.
Yes, the Alliant Credit Union allows you to freeze your account in case of fraud or unauthorized transactions.
Yes, the Alliant Credit Union offers Visa Platinum Card besides the Alliant Visa® Signature Credit Card with Cashback.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
