Alliant Cashback Visa® Signature Credit Card: With qualifying accounts, the Alliant Cashback Visa® Signature Credit Card* delivers a massive 2.5% cash back on up to $10,000 in purchases made each billing cycle; all other transactions receive 1.5% cash back. However, in order to be eligible for the higher rate, you must meet specific conditions and have an approved Alliant Credit Union checking account.
Neither an initial 0% APR promotion nor a welcome bonus are available with this card. In certain cases, your APR may be relatively high based on your creditworthiness. However, there are no yearly or foreign transaction fees, and you’ll receive a few common extra benefits.
This card offers a great method to earn a lot of cash back if you wish to bank with Alliant. However, you might think about other possibilities if you don’t want to do additional steps in order to receive your rewards more quickly.
Alliant Cashback Visa® Signature Credit Card Overview
- Annual Fees: $0.
- Welcome Bonus: None.
- Rewards: All other cardholders receive a flat 1.5% cash back on all purchases, while qualified cardholders receive 2.5% cash back on up to $10,000 spent each billing cycle with qualifying accounts.
- Variable APR on purchases and balance transfers ranging from 17.49% to 27.49%. There is a 3% transfer fee for each balance transfer.
- Additional features and advantages include roadside assistance, extended warranty protection, collision damage waiver for rental cars, purchasing security, travel accident insurance, and protection against identity theft.
- There is no pre-approval tool.
- An excellent credit score required
Benefits
Debt Protection: To take advantage of Alliant’s Debt Protection plan, a monthly charge must be paid. Debt Protection may forgive up to $18,000 in the event of an involuntary job loss or disability, or up to $100,000 in the event of the cardholder’s death.There are terms and conditions.
Identity Theft Protection: Get up to $5,000 in personal identity theft protection to cover qualified costs associated with identity restoration.
Purchase Security: You will receive coverage for ninety days if an eligible incident (vandalism, fire, etc.) damages a qualifying purchase (made with the card).
Extended Warranty Coverage: When qualifying items are bought using the card, Alliant essentially doubles manufacturer warranties, up to an extra year.
Travel Accident Insurance: Use the card to pay for your trip and receive up to $250,000 in coverage for travel accidents.
Roadside Dispatch: By calling a toll-free number, you can obtain pay-per-use roadside assistance around-the-clock.
Rental Car Collision Damage Waiver: Pay for a rental car with the Alliant Visa Signature card, and you’ll automatically be covered for collision damage without having to pay more.
Rewards
They have one of the finest rewards rates available on the market with the Alliant Cashback card. If you meet the requirements, you can use qualified accounts to earn 2.5% cash back on purchases up to $10,000 in per billing cycle; 1.5% is awarded on all other transactions.
You must open an Alliant High-Rate Checking account and fulfil a few requirements in order to be eligible for that higher rate, such as:
Choose to receive your statements electronically.
Every calendar month, get at least one electronic deposit.
Keep your daily balance of $1,000 or higher on average.
These conditions must be met in order for you to receive 1.5% back on each transaction. For the first 100 days following approval, all cardholders will receive the 2.5% rewards rate, which can serve as a welcome bonus for those who aren’t already eligible for the higher rate.
You can request a deposit into an Alliant checking or savings account or utilise your cash back to earn a statement credit on your account.
Pros
High rewards rate: The card has a higher rewards rate than most other flat-rate cash-back credit cards, even though it’s not the best base rate. Although there is a maximum amount you can make at this rate, the majority of cardholders won’t even come close to reaching it.
Personal identity theft protection: Although the card has many typical insurance features, its personal identity theft protection is particularly noteworthy. It offers up to $5,000 in reimbursement for costs incurred should your identity be stolen.
No foreign transaction cost: While cash-back credit cards sometimes have no annual fee, it’s more challenging to locate one that doesn’t impose a foreign transaction fee on purchases made overseas.
Cons
No typical welcome bonus: Unlike other top cash-back credit cards, this one does not offer a conventional new-cardholder incentive. Instead, all cardholders will earn the higher rewards rate for the first 100 days.
Absence of an introductory 0% APR promotion: It is uncommon for a cash-back credit card to provide no interest on purchases, debt transfers, or both. You might want to hold off on applying for this card if you require the 0% APR deal.
Additional steps to achieve the highest rewards rate: While most credit cards don’t need a connected checking account to qualify for a rewards rate, this card makes the move worthwhile for those who don’t want to bank with Alliant.
How to Apply for a Alliant Cashback Visa® Signature Credit Card?
Online: Click the “Apply Online” button after visiting the card’s webpage. If you are a current member, choose “Log in & Apply” on the following page. If not, choose “Apply as New Member.”
Over the Phone: To apply over the phone, give Alliant Credit Union’s customer service department a call at (800) 328-1935.
Remember, though, that eligibility for the Alliant Cashback Visa® Signature Credit Card needs exceptional credit. If you are unsure of your position
Cash back credit cards because they provide eligible applicants with one of the best flat-rate rewards available on the market.
Steps To Login
You need to enter your online banking login information in order to access your account. To log in, kindly follow these steps:
- To access the Alliance Credit Union website, open your browser and click this link: http://www.alliantcreditunion.org/.
- To access the login page, click the displayed Secure Login icon on the homepage.
- Kindly fill out the provided forms with your username and password, then click Secure Login.
As soon as the bank accepts your login information, you will be taken directly to your account.
How to Recover Username?
Please take into consideration following instructions to retrieve your online banking login credentials if you are unable to remember them.
- Click the “Have trouble logging in?” link located on the login page.
- Select the Recover Username button that appears.
- Please fill in the provided fields with your Member Account Number and Birthdate, then click CONTINUE.
The bank will email your username to the email address it has on file for the primary account after successfully authenticating you.
How to Reset Password?
- Click the “Have trouble logging in?” link located on the login page.
- Select the Reset Access button that appears.
- Kindly fill in the highlighted fields with your Username/Member Account number and Birthdate, then click CONTINUE.
The bank will send you a temporary password to the email address it has on file for the primary account after successfully authenticating you. You will be prompted to establish a new password and have the option to update your security questions after checking in with your temporary password.
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Steps To Enroll for Alliant Cashback Visa® Signature Credit Card
It is free for Alliant Credit Union members to sign up for internet banking and begin taking advantage of its convenience. Please take the following actions to enrol:
- Go to the Online Banking area of the webpage and click the “Enrol in minutes” option.
- Please fill in the highlighted fields with your Member Account Number and birthdate, then click CONTINUE.
- You will be guided through the remaining enrollment processes by the bank.
Alliant Cashback Visa® Signature Credit Card Eligibility
Since Alliant Credit Union is the credit union offering this credit card, joining the credit union is a requirement for applying.
The most practical way for most interested Clark readers to join the credit union will be to donate $5 to the nonprofit organisation Foster Care To Success.
Alliant’s declaration that it will make the donation on the potential member’s behalf makes the procedure simpler.
One of the following will also automatically qualify you for membership, per Alliant’s requirements for membership qualification:
- Workplace employment or affiliation with one of Alliant’s affiliated companies
- Being a direct family member or partner of an Alliant member
- Residing or employed in the Chicago region, home to Alliant’s corporate headquarters
You should be able to waive the membership donation if any of the aforementioned conditions are met. That being said, before go too far with the application process, I would make sure to verify eligibility with Alliant.
Cash back benefits are available on almost all purchases made with the Alliant Cashback Visa® Signature Credit Card. These consist of travel costs, internet shopping, meals and entertainment, groceries, petrol and more. Both category limitations and cash back earnings caps are absent.
Nonetheless, a certain amount of purchases and transactions are not qualified for incentives. Money orders, prepaid cards, and gift cards, for instance, are not eligible for incentives. Purchases of lottery tickets or other gambling-related transactions won’t either. Furthermore, certain activities and fees including cash advances, balance transfers, fees, and interest have no rewards associated with them.
Payment Methods
- To make a payment, log into Alliant online banking, choose “Make a Payment,” and then follow the instructions.
- Use the Alliant Express Payment Web Portal to make a one-time payment of up to $1,000.
- To speak with a Member Service Consultant who can assist you with making your payment, call 800-328-1935.
Alliant Cashback Visa® Signature Credit Card Customer Care
Customers may manage their debit and credit cards, deposit checks, make payments, and move money between accounts round-the-clock with Alliant’s sophisticated mobile banking application.
Even if the bank is all digital, you can still get in touch with a customer care agent by contacting 1-800-328-1935 any time of day, seven days a week. Through the bank’s online platform, customers may also send secure messages. The bank has its headquarters in Chicago, which is in the Central Standard time zone.
Frequently Asked Questions
What is the Alliant Cashback Credit Card’s initial credit limit?
Although studies suggest that Alliant is a more giving credit union than other card issuers, the company does not have a minimum credit limit.
Is there a foreign transaction fee associated with the Alliant Cashback Card?
The card is a reliable payment choice if you’re organising a vacation overseas because it doesn’t impose a foreign transaction fee.
What credit score is required to be eligible for Alliant Cashback Visa® Signature Credit Card?
Although Alliant doesn’t state the minimum credit score required to get approved, it is normally the case that you must have good credit, which is equivalent to a FICO credit score of 740 or better.
Which additional credit cards are available from Alliant Credit Union?
Additionally, Alliant provides the Alliant Visa® Platinum Card*, which has a variable APR ranging from 15.49% to 27.49% after 12 months of 0% initial APR on purchases and balance transfers. A balance transfer fee of 2% of the transferred amount, with a $5 minimum, is charged. Although there is no annual charge, there are no incentives on the card.
Can someone register for an Alliant account?
To open an account, you must join Alliant Credit Union as a member. Thankfully, meeting the conditions to join is simple. You can join Foster Care to Success even if you don’t fit the basic eligibility requirements according to where you live or work—Alliant will even cover your $5 one-time membership cost.
