Alliant Credit Union Credit Card Reviews, Rules & Opinions
Alliant Credit Union keeps its credit card offerings simple by providing no more than two cards. We’ve run an in-depth comparison of both to help you select the right one.
Alliant Credit Union offers two credit cards for individuals and none for businesses. One card comes with a 0% APR offer, and the other lets you earn cash back. Both come with no annual fees. No matter which of the two cards you select, you need good or excellent credit to qualify
Featured Credit Cards Offered by Alliant Credit Union
You get two types of Alliant Credit Union cards from which to choose. One is a cash back card, and the other is a 0% APR card. If you’re looking to pay no foreign transaction fees, the cash back option, the Alliant Credit Union Visa Signature Card, might serve you well. No Alliant Credit Union card offers a welcome bonus.
The Best Alliant Credit Union Credit Cards for April 2022
We look for new Alliant Credit Union credit cards and go through any changes in their existing cards each month. Only after we compare all given options do we arrive at our revised list of the best Alliant Credit Union credit cards.
- Alliant Credit Union Visa Platinum Card
A good no-annual-fee credit card with an intro 0% APR offer
- Good-ExcellentCredit Needed
- $0Annual Fee
- 12 monthsAPR Offer Duration
- 12 monthsBalance Transfer Duration
- Alliant Credit Union Cashback Visa Signature Credit Card
A great no-annual-fee card with cash back and added perks
- Good-ExcellentCredit Needed
- $0Annual Fee
- 12.24% - 22.24%APR
- 1.5% - 2.5% Cash BackRewards Rate
Rules for Applying, Acceptance & Welcome Bonuses
Looking at whether you might qualify is important before you apply for an Alliant Credit Union credit card. You might also benefit from finding out how much time you need to give between applications if you plan to apply for both cards.
Other Considerations About Alliant Credit Union
While looking at Alliant Credit Union card benefits is important when making your choice, you may also want to check how Alliant fares overall as a credit card provider.
Customer Service & Satisfaction
Alliant Credit Union scores an average of 2.3 out of 5 on Trustpilot. However, this is based on 11 customer reviews. Of the reviews that exist, a few customers highlight concerns about poor customer service.
You may get in touch with an Alliant Credit Union representative over the phone, via email or through its social media accounts.
Mobile Apps & Online Services
Alliant Credit Union lets you manage your credit card and other accounts through its online banking platform as well as its apps for devices that run on Android or iOS.
Security & Credit Monitoring Services
Both Alliant credit cards come with $0 fraud liability and eligibility-based ID Navigator Powered by NortonLifeLock. The Alliant Credit Union Cash Back Visa Signature Credit Card also provides Personal Identity Theft protection through which you may qualify for reimbursement of up to $5,000 to cover expenses incurred in restoring your identity.
Loyalty Programs & Other Issuer Perks
The Alliant Credit Union Cash Back Visa Signature Credit Card follows a tiered rewards program. If you qualify for Tier One Rewards, you earn 2.5% cash back on the first $10,000 you spend on eligible purchases each billing cycle, and all other eligible purchases earn 1.5% cash back. With Tier Two Rewards, you earn 1.5% cash back on all eligible purchases. You may redeem the cash back you earn as a statement credit or as a deposit into your Alliant Credit Union checking or savings account.
To qualify for Tier One Rewards, you need to maintain an average daily balance of at least $1,000 in your Alliant Credit Union high-rate checking account during each month of the preceding quarter.
Both Alliant Credit Union credit cards come with complimentary auto rental collision damage waiver and roadside dispatch. The Cashback Visa Signature Credit Card also offers complimentary travel accident insurance.
Alliant Credit Union lets you add authorized users to your credit card account. You may do so over the phone or online. Alliant does not have any published guidelines surrounding the cost (if any) to add an authorized user or the minimum age of authorized users.
Overall Opinion of Alliant Credit Union & Their Credit Card Offerings
Given that you have two types of Alliant Credit Union cards to choose from, you don’t have to worry about being overburdened with options. However, people with specific requirements, such as students and those who wish to build their credit, might need to look at what other card issuers have to offer. Depending on what you’re after, you may want to consider getting an Alliant Credit Union card in different circumstances.
You want to earn high cash back on all purchases.
Credit cards that offer flat-rate cash back tend to limit the maximum to 2%. However, if you qualify for Tier One Rewards with the Alliant Credit Union Cash Back Visa Signature Credit Card, you stand to earn 2.5% cash back on the first $10,000 you spend on eligible purchases during each billing cycle and 1.5% thereafter. The Alliant Credit Union Visa Platinum Card offers flat 1.5% cash back on all purchases.
You want added perks without paying an annual fee.
Both Alliant Credit Union credit cards come with no annual fees. Depending on the card, other card-specific benefits may include no foreign transaction fees, a 0% APR offer, balance transfers, travel insurance coverage, roadside dispatch, purchase protection, identity theft protection, and extended warranty protection.
You’re looking for a low APR card.
Both Alliant Credit Union credit cards come with highly competitive interest rates for people who have excellent credit. The Alliant Credit Union Visa Platinum Card comes with a 0% APR offer on purchases and balance transfers for the first 12 months.
"Most consumers have not heard about Alliant Credit Union, but it offers some of the highest cash back rewards for everyday spending. Since Alliant eliminated the annual fee, its cash back credit card is one of the most profitable cards available for non-bonus-category purchases."
- Lee Huffman, credit card expert at BaldThoughts.com
Still not sure about this issuer? Consider these options.
If the two different Alliant Credit Union cards don’t seem like they would work well for you, you may want to consider looking at what other leading credit card issuers have to offer. Alternatively, you can base your search on specific types of cards such as rewards cards, travel cards, student cards and cards for people with poor credit.
Learn More About Credit Cards in General
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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