Alliant Credit Union Credit Card: A Review Guide

Last Updated on March 20, 2025 by Amrita Das

Alliant credit union offers two credit card options – the Platinum and Signature cards. Both come with a host of features, including no annual fees, enhanced security with EMV chips, and compatibility with popular mobile payment methods.

What sets Alliant credit cards apart is their ability to pre-qualify applicants without impacting their credit scores. In this markdown document, we will delve into the specific details of each card and help you determine which one best suits your needs.

Whether you are looking for high cashback rewards or a low-maintenance option, Alliant has a credit card that can fit your lifestyle. So let’s explore the benefits of the Alliant Cashback Visa® Signature Card and the Alliant Credit Union Visa® Platinum Rewards Credit Card to help you make an informed decision.

Table of Contents

Alliant Cashback Visa® Signature Card Review

The Alliant Cashback Visa® Signature Card is a top contender in the world of flat-rate rewards cards. With an impressive earning potential of 2.5% cash back on up to $10,000 in shopping every billing cycle, eligible cardholders can easily maximize their rewards. After reaching this threshold, cardholders will continue to earn respectable 1.5% cash back on all buys.

One unique feature of this card is that in order to unlock the full 2.5% cash back potential, cardholders must also open an Alliant high-rate checking account. This added benefit not only helps cardholders earn more rewards, but also provides them with access to other perks such as convenient online banking and no monthly fees.

In addition to its generous cash back program, the Alliant Cashback Visa® Signature Card also has a suite of Visa Signature benefits. These include valuable protections like

Personal identity theft protection
Purchase security
Travel accident insurance and
An auto rental collision damage waiver.

Plus, with roadside dispatch facilitation and extended warranty safeguarding, cardholders can feel secure wherever their travels may take them.

And the best part? The Alliant Cashback Visa® Signature Card has no annual or foreign transaction pay. So whether you’re making purchases at home or abroad, you can rest assured that you’re getting the most out of your rewards without any hidden costs.

Unique features of Visa Signature Cashback Card

The Visa® Signature Cashback Card offers limitless cash back without categories to track, making it simple and hassle-free for cardholders.
Without an annual fee, cardholders can enjoy the benefits of earning cash back without having to worry about additional costs.
This card also offers competitive rates as low as 16.49% APR, making it a great option for those looking for a lower interest rate.
For those who frequently travel or make purchases in foreign countries, the Visa® Signature Cashback Card has the added benefit of no foreign transaction cost.
Cardholders can receive up to 2.5% cash back on their first $10,000 of qualifying purchases, with 1.5% cash back for buys over $10,000.
The Visa® Signature Cashback Card is compatible with popular mobile payment systems such as Google Pay™, Samsung Pay™, and Apple Pay™making it convenient and easy to use.
This card is ideal for those with good to excellent credit scores.
In the event of late or missed payments, the penalty APR for this card is 25.24%, which is something cardholders should be aware of.
Finally, the Visa® Signature Cashback Card has a balance transfer fee of 3% of the amount being transferred, which is something to consider when making balance transfers.

Is the Alliant Cashback Visa® Signature Card Worth Considering?

If you’re in search of a credit card that offers impressive cash back rewards without an annual fee, then the Alliant Cashback Visa® Signature Card is definitely worth considering. As you know with this card, you have the opportunity to get 2.5% cash back on up to $10,000 in every billing cycle purchase.

This means that if you use your credit card for regular expenses you could potentially earn a significant amount of money back each year. Plus, if you already have or are looking to open an Alliant high-rate checking account, you may be eligible for even more benefits.

So, if earning cash back on your purchases while avoiding annual fees sounds like a winning combination to you, then the Alliant Cashback Visa® Signature Card may be the perfect fit for your financial needs.

Alliant Cashback Visa® Signature Card pros and cons

Pros

High cash back rate of 2.5% on up to $10,000 in purchases every billing cycle
Zero dollar annual fees
Offer competitive interest rates
Comes with Visa Signature advantages
Compatible with popular mobile payment platforms
This card has wide acceptance
No foreign transaction fees make this card ideal for traveling

Cons

Lacks 0% introductory APR for purchases or balance shifts.
Alliant Cashback Visa® Signature Card does not suggest a sign-up bonus.
Requires a qualifying checking account to earn the highest cash-back rate.

Alliant Visa® Platinum Credit Card Overview

If you’re someone who values the security and convenience of using a Visa credit card, then the Alliant Credit Union Visa® Platinum Rewards Credit Card is definitely worth considering. With this card, you can pay with confidence knowing that it is backed by the trusted Visa brand.

But there’s more to this card than just its affiliation with Visa. One great feature of the Alliant Credit Union Visa® Platinum Card is its low introductory rate of 0% for 12 months on purchases and balance moves. This can be especially beneficial if you have existing high-interest credit card debt that you want to consolidate into one payment.

And before you even submit an application for the Alliant Credit Union Visa Platinum Credit Card, you have the option to pre-qualify without impacting your credit score. This allows you to see if you are likely to be approved for the card and what terms you may receive.

In addition to its low initial rate, this card also offers other attractive features such as no annual fee, soft credit lines, and small standard APRs. Plus, with an EMV chip included for enhanced security and compatibility with popular mobile payment options using this card is both safe and convenient.

Overall, the Alliant Visa Platinum Credit Card is a great option for those looking for a reliable credit card with competitive rates and features.

Alliant Visa® Platinum Credit Card Unique Features

0% primary rate for twelve months on purchases and balance shifts, followed by a low standard variable rate varying from 14.49% to 26.49% APR.
Option to transfer balances from high-interest cards, allowing for debt consolidation into one manageable payment.
Zero dollar annual fee, making it a cost-effective credit card option.
Giving credit lines that cater to individual spending needs and financial goals.
Low standard APRs that provide long-term savings on interest charges.
Enhanced security features with an EMV chip embedded in the card.
Compatibility with popular mobile payment platforms such as Google Pay, Apple Pay, and Samsung Pay.

Alliant Credit Union Visa® Platinum Credit Card Pros and Cons

Pros:

The Alliant Credit Union Visa® Platinum Credit Card offers potentially lower-than-average buys APRs, making it a great option for those looking to save on interest charges.
Without an APR balance transfer primary rate for the first 12 months, cardholders can consolidate their existing credit card debt and avoid paying high interest rates.
The card also offers a 0% APR on current purchases throughout the first 12 months, providing an opportunity for cardholders to make big purchases without worrying about interest charges.
Unlike many other credit cards, the Alliant Visa Platinum Credit Card has no annual fee, making it a cost-effective choice for budget-conscious individuals.
In addition to its low APR and no annual fee, the card also comes with various perks such as Auto Rental Collision Damage Waiver and Identity Theft Protection, giving cardholders peace of mind while making purchases.
By reporting to multiple credit bureaus, this credit card can help individuals build or improve their credit score over time.

Cons:

To qualify for this card, you will need to have a good credit score. This may make it difficult for those with less than stellar credit to be approved.
Unlike some other credit cards, the Alliant Credit Union Visa® Platinum Card does not provide a signup bonus for new cardholders.
One of the main drawbacks of this card is that it does not offer any rewards or cash back on purchases.
If you plan on using this card while traveling internationally, keep in mind that it charges a foreign transaction charge of up to 2%.
If you’re looking to transfer balances from other high-interest credit cards, keep in mind that the Alliant Visa® Platinum card applies a balance transfer fee of 2%.

FAQ:

Q: Are there any charges or fees that come with using my Visa Signature Credit Card?

A: Late or returned payments may result in a fee being applied. Additionally, balance transfers may incur either a fixed dollar amount or a percentage-based fee. However, the Alliant Cashback Visa® Signature card does not have an annual fee.

Q. How long does it usually take to receive a credit card after applying for one?

A: Once your credit card application has been approved, you can expect to receive your new Alliant Visa card in the mail within 14-21 days.

Q: What are the options for receiving cash back on my Alliant credit card?

A: There are two options for receiving cash back on your Alliant credit card – as a statement credit within one billing cycle or as a deposit into your checking or savings account with Alliant. Both options provide quick and convenient access to your cash back rewards.

Q: How can an Alliant credit card benefit you as a member?

A: Being an Alliant member and having access to their Visa credit cards can provide numerous advantages. Not only do their credit cards offer increased purchasing power, but they also help save money by avoiding higher interest rates found on other cards. With every statement, members can see the benefits of choosing an Alliant credit card.

Q: What is the process for increasing my credit card limit?

A: To request a higher credit card limit, simply contact them at 800-328-1935 and one of their Alliant Representatives will guide you through the necessary steps.

Q: How do I go about getting a new credit card if mine is lost or stolen?

A: If you believe your credit card has been lost or stolen, it is important to report it immediately. You can report the loss through various methods, such as online banking, their mobile banking app, or by calling their 24/7 hotline at 866-444-8529.

Q: What is the typical timeline for receiving an Alliant credit or debit card after approval?

A: After successfully approving your Alliant Visa credit or debit card application, you can expect to receive your card within 14-21 days via U.S. mail. If you require a faster delivery, Alliant does offer an expedited service for a fee.

Q: Is it possible to move balances from existing credit cards to my Alliant Visa Platinum card?

A: Yes, you are able to transfer balances from your existing credit cards in order to take advantage of their low interest rates. This can be done during the application process or even after you have been selected for an Alliant Visa Platinum card. Please note that there is a fee of 2% of the balance transferred, with a minimum of $5.

Q: What options do I have if I cannot pay my loan on the due date?

A: If you are facing financial difficulties and are unable to make your payment on time, Alliant has a solution for you. Their Loan Assistance Program is designed to help their members in times of financial suffering. Visit the Alliant website’s Loan Assistance Program page for more information.

Bottom Line

In conclusion, the Alliant Credit Union offers two great credit card options for individuals looking to earn cash back on purchases or save on interest charges. The Alliant Cashback Visa® Signature Card is a top choice for those who want to maximize their cash back earnings and avoid annual fees, while the Alliant Credit Union Visa® Platinum Rewards Credit Card is ideal for those looking for a low introductory rate and no annual fees.

Both cards also offer unique features and benefits that make them stand out in the market. Overall, the Alliant Credit Union credit cards are reliable, convenient, and cost-effective options for anyone looking to manage their finances more efficiently.