MoneyGeek’s Take

Alliant Visa Signature Card Review

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ByDoug Milnes, CFA
Reviewed byAlene Laney
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ByDoug Milnes, CFA
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Reviewed byAlene Laney
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Updated: June 13, 2024

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Alliant Visa Signature Card
Credit Card logo for Alliant Visa Signature Card
MoneyGeek Rating
3.4/ of 5

Rewards RateEarn up to 2.5% cash back on your first $10,000 of...
APR17.49%–27.49%
Annual Fee$0
Recommended Credit Good–Excellent
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WHY TRUST OUR REVIEWS

At MoneyGeek, we follow a six-step process to review credit cards. Our methodology involves collecting credit card information, standardizing data points, analyzing potential cardholder profiles, considering annual and introductory bonuses, establishing the card values and reviewing data monthly to reprocess rankings.

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.

>>MORE: ALLIANT MEMBERSHIP REQUIREMENTS: HOW TO BECOME AN ALLIANT MEMBER

Alliant Visa Signature Card Overview

MoneyGeek explains the Alliant Visa Signature Card’s benefits and rewards to help you understand if this card is a good option for you.

Quick Take

  • No annual and foreign transaction fees
  • Qualify for Tier One Rewards and earn 2.5% cash back on purchases of up to $10,000 each billing cycle
  • Earn 1.5% cash back on all purchases if you qualify for Tier Two Rewards
  • Works with Apple Pay, Google Pay and Samsung Pay
  • $0 fraud liability guarantee
  • Purchase security and extended warranty protection
  • Auto rental collision damage waiver and travel accident insurance

Important Card Details

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.

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    Regular APR

    This card charges a variable APR of 17.49% – 27.49% on purchases, which is low compared to other cards.

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    Annual Fee

    This card doesn’t charge an annual fee.

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    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.

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    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.

Additional Benefits

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.

  • Identity Theft Coverage: The Alliant Visa Signature Card provides reimbursement of up to $5,000 if your personal identity gets stolen.
  • Purchase Security: This card offers purchase protection, which helps you pay for loss or damage to an eligible purchase for the first ninety days.
  • Auto Rental Collision Damage Waiver: This perk helps you save money on rental insurance by covering any loss or damage to your rental vehicle.
  • Travel Accident Insurance: You can get up to $250,000 in travel accident insurance by paying for a trip with this card.

How the Alliant Visa Signature Card Compares To Other Cards

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.

How the Alliant Visa Signature Card Compares

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Alliant Visa Signature Card

  • Annual fee: $0
  • Purchase APR: 17.49% – 27.49% variable
  • International transaction fee: $0
  • Rewards rate: 2.5% in Tier One Rewards, 1.5% in Tier Two Rewards
  • Best for: Individuals looking to earn cash back rewards with a card that doesn’t charge an annual fee.
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Capital One Quicksilver Cash Rewards Credit Card

  • Annual fee: $0
  • Purchase APR: 19.99% – 29.99% variable
  • International transaction fee: $0
  • Rewards rate: Unlimited 1.5% cash back on every purchase.
  • Best for: Individuals looking to earn cash back rewards with a card that offers a hefty welcome bonus.

Frequently Asked Questions

What is the average credit score needed to get approved for an Alliant Visa Signature Card?
Does the Alliant Visa Signature Card report to all three credit bureaus?
Is the Alliant Visa Signature Card application process lengthy? Can you prequalify?
What information is needed to apply for an Alliant Visa Signature Card?
Does the Alliant Visa Signature Card have good customer service or satisfaction?
Does the Alliant Visa Signature Card have a mobile app or the option to pay or manage your account online?
Does the Alliant Visa Signature Card raise credit limits automatically or charge for limit increases?
Does the Alliant Visa Signature Card offer the option to freeze your credit/account or have other security features?
Does Alliant Credit Union offer other credit cards besides the Alliant Visa Signature Card?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

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.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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