Card Details

Regular APR:	12.24% ?-15.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	3% cash back on all purchases in year one, 2.5% cash back on all purchases after
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$0 for the first year, then $99
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Exclusively designed for high spenders with excellent credit
Unlimited Cash Back: 3% cash back in year one & 2.5% cash back after
No limit to the cash back awards you can earn
No foreign transaction fees
Generous credit line
$99 annual fee, waived the first year
Works with Google Pay, Apple Pay and Samsung Pay
$0 fraud liability guarantee from Visa

Is Alliant Cashback Visa Signature worth it?

Alliant Cashback Visa Signature Card is a great flat-rate cash card for people with significant purchases – the card is designed for those spending $50,000 per year on it and offers 3% cash back in the first year and 2.5% cash back after that. The annual fee is $99 after the first year.

The annual fee presents a little bit of a problem. To pay off $99 with the 2.5% cash back you earn after the first year, you have to spend $3960 just to break even. To beat out a card like Citi Double Cash, which gets 2% unlimited cash back, you would have to spend $20,000 annually after the first year.

Like it says on the website, the card is designed for high spenders with excellent credit. And, you have to be a member of Alliant Credit Union. This is an easy requirement though, the site also says how to do this by signing up to Foster Care to Success (FC2S), and Alliant will even match your $10 signup fee, so you can feel good about getting this card.

Pros

3% cash back in first year and then 2.5% cash back after
No foreign transaction fee

Cons

$99 annual fee
Joining is simple but must be a member of Alliant Credit Union

Why 5 Stars?

Regular APR

The interest rate is 12.24% ? 15.24%, which is exceptional for a card that offers rewards. As comparison in the arena of cash back cards, Citi Double Cash goes up to 25.49%.
5 Stars

Intro APR

There is no Intro APR on balance transfers or purchases.
4 Stars

Fees

There’s no annual fee for the first year, but a $99 annual fee starting the second year.
4 Stars

Perks

3% cash back is unheard of. 2.5% ongoing cash back with the $99 annual fee is still better than any other cash back card we can think of as long as you spend $20,000 on the card.
5 Stars

Overall

Not much to say, this is about as simple as it gets. During the first year, you earn 3%, and then 2.5% cash back after that. If you can afford the $99 annual fee starting the second year and will use this card as your primary card, it’s worth it.
5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	3% of the amount of each transaction or $10, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Emergency ticket replacement

Travel Accident Insurance

Lost Luggage Assistance

Get Started with Alliant Cashback Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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