Alliant Credit Union Credit Card Reviews, Rules & Opinions

ByDoug Milnes, CFA
Reviewed byLee Huffman
fact checked icon
ByDoug Milnes, CFA
fact checked icon
Reviewed byLee Huffman
fact checked icon

Updated: March 21, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

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

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

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.

Loading...

The Best Alliant Credit Union Credit Cards in 2024

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 Visa® Platinum Credit Card

    A good no-annual-fee credit card with an intro 0% APR offer


    • 0% Intro APR (then variable APR)Balance Transfer Offer
    • 12 monthsBalance Transfer Duration
    • 15.49%–27.49% VariableAPR
    • $5 or 2%, whichever is greaterBalance Transfer Fee
    • Good–ExcellentRecommended Credit

    We recommend the Alliant Visa® Platinum Credit Card to people who’re looking for cards with intro 0% APR offers. This card’s 0% APR offer applies on purchases and balances transfers, and it stays in place for the first 12 months. If you use this card to transfer a balance from another card, you need to pay a balance transfer fee. What helps is you don’t have to pay any annual fees.

    Using this card outside of the U.S. might not be in your best interest as it charges foreign transaction fees.

    $0 fraud liability guarantee offers safeguard against fraudulent use of your card. Other benefits include identity theft protection, auto rental collision damage waiver and roadside dispatch. This card offer is no longer available on our site.

    Pros

    • No annual fees
    • 0% APR on purchases and balance transfers for 12 months
    • Auto rental collision damage waiver
    • Roadside dispatch

    Cons

    • 2% balance transfer fees
    • 2% foreign transaction fees
    • Penalty APR may apply in case of late or returned payments
    • No annual fees
    • Intro 0% APR for 12 months on purchases and balance transfers, then a variable APR of 15.49%–27.49% after that
    • Competitive standard APRs
    • Works with Apple Pay, Google Pay and Samsung Pay
    • ID Navigator by NortonLifeLock protects against identity theft
    • Complimentary roadside dispatch and auto rental collision damage waiver
    • $0 fraud liability guarantee
    • 24/7 customer support
    Alliant Visa® Platinum Credit Card
  • Alliant Visa Signature Card

    A great no-annual-fee card with cash back and added perks


    • 1.5% – 2.5% Cash BackRewards Rate
    • 17.49% – 27.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

    The Alliant Visa Signature Card might work well for you if you wish to earn high cash back on all purchases and get a variety of perks without paying any annual fees. If you qualify for Tier One Rewards, you get 2.5% cash back on the first $10,000 you spend on eligible purchases every billing cycle and 1.5% cash back on all other eligible purchases. If you don't qualify for Tier One Rewards, you earn 1.5% cash back on all eligible purchases.

    To qualify for Tier One Rewards, you need to meet the following requirements:

    • Opt in to receive eStatements; 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 in every month of the preceding calendar quarter.

    This card comes with no foreign transaction fees, making it perfect to use outside of the U.S. Additional benefits include personal identity theft protection, purchase security, extended warranty protection, roadside dispatch, travel accident insurance and auto rental collision damage waiver.

    Pros

    • No annual fees
    • No foreign transaction fees
    • Up to 2.5% cash back on spending of up to $10,000 each billing cycle
    • Purchase and travel protection

    Cons

    • 2.5% cash back only if you qualify for Tier One Rewards
    • Balance transfer fees
    • 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
    Alliant Visa Signature Card

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.

What is the accepted credit score range for most cards?
How many cards can you own?
How many times can you apply?
How many times can you get approved?
How many times can you claim the welcome bonus?

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.

Feature
Decription

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.

On the Apple App Store, the app scores 4.7 out of 5. It scores 4.2 out of 5 on the Google Play store. These apps come with fingerprint authentication.

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.

Authorized Users

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.

    rocketShip icon

    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 Visa® Platinum Rewards Credit Card offers flat 1.5% cash back on all purchases.

    worldTraveler icon

    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.

    boyThinking icon

    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 Visa® Platinum Rewards Credit Card comes with a 0% APR offer on purchases and balance transfers for the first 12 months.

mglogo icon
EXPERT OPINION

"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

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.


sources
*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.
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. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.