That rate starts at around 13%, however, making it still significantly lower than the national average for a rewards credit card. The Aliant Visa Platinum Credit Card is a no-nonsense, no annual fee rewards card from Alliant Credit Union. It also earns 1.5% cash back on most purchases (plus some extra category bonuses earn 3-5%) and features a nice sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.You don't have to bank with Chase to qualify, but you need at least good credit (FICO scores of 690 and higher). But especially for those with less-than-perfect credit scores looking for rich rewards, it's head and shoulders above most of the competition. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Other cards that offer 2% back or higher typically require at least good credit (FICO score of 690 and up). If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These benefits and protections include smart wallet compatibility (Apple Pay, Google Pay, and SamsungPay), Visa Purchase Alerts, Roadside Dispatch, Zero Fraud Liability, and more. The Alliant Cashback Visa® Signature Credit Card is an excellent choice to take on a trip abroad and to use at foreign websites. [Targeted] Alliant Credit Union $350 Credit Card Bonus [Targeted] Alliant Credit Union $400 Credit Card Bonus [Targeted] Alliant Credit Union $350 Credit Card Bonus Or 0% APY For 18 Months; In this case it would make more sense to sign up for that targeted offer and then upgrade to the 3% card (upgrading gets the annual fee waived and the 3% rate). Beyond 0% APR, new cardholders receive 5,000 bonus points when they use their Alliant Visa Platinum Card to make $500 or more in purchases within their first 90 days of opening an account. to join Alliant's Credit Union are pretty accessible to most. It's richer than the current standard of 1.5%, and among the best rewards rates you can find on no-annual-fee cards. It's an especially great deal if you have average credit. Please be advised that you will then link to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Alliant Bank. Alliant will make a $5 donation on your behalf, which will make you eligible for membership. The interest rates with the Rewards Card aren’t industry-leading, but they are very competitive. Alliant members looking for a versatile rewards credit card will enjoy the Alliant Visa Platinum Rewards Credit Card. Credit Cards from Alliant Credit Union Beginning March 1, 2021 - 2% APR on all balance transfers over $1,000 to an Alliant Credit Union credit card! Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant checking account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. You are leaving Alliant Bank's website and linking to a third party site. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. HT: DoC. That card features an interest rate as low as 10%, with the same 0% intro APR on purchases and balance transfers for up to 12 months. The Alliant Cashback Visa Signature Credit Card is a low-interest rewards card that earns unlimited cash back and provides some basic travel benefits. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. You'll need to join the credit union first, but that's relatively easy to do. All you need is Alliance Credit Union’s FREE VISA Debit Card. If you are paying due to a disconnect notice, call our Customer Service Center at 1-800-ALLIANT (800-255-4268) with your Speedpay confirmation number so we can note it on your account. It comes with this offer: 0% intro APR on Purchases for 15 months, and then the ongoing APR of 14.99% - 23.74% Variable APR. The Alliant Visa® Platinum Rewards Credit Card is an excellent choice for those looking for rich, flat-rate rewards and a $0 annual fee. Alliant Visa Platinum Rewards Credit Card: 5,000 Bonus Points ($50 Value) Alliant Credit Union only has one promotional offer for January this time, and this is it. A full year of no interest charges on both these categories is a great bonus – especially for those looking to pay down an existing credit card balance or finance a significant purchase. Our partners compensate us. Redemption options: Points can be redeemed by logging into your Alliant Credit Union account and selecting one of the following options: Cash back, starting at $20 redeemed as a deposit to your Alliant savings or checking account, or as an account balance credit to your Alliant Visa® Platinum Rewards Credit Card account. That's effectively 2% back, a top-notch reward rate. It earns 2.5% cash back on up to $10,000 in purchases each billing cycle and requires good or excellent credit (FICO scores of 690 and higher). The starting credit limit for the Alliant Cashback Visa Signature card is $10,000. Live or work in one of the communities near the credit union’s Chicago corporate headquarters The effective 2% rewards rate on the Alliant Visa® Platinum Rewards Credit Card is superb for a flat-rate rewards card. If you don't live or work in one of the qualifying communities or jobs, or aren't related to someone who fits the description, you can join by opting to support Foster Care to Success, Alliant's partner charity. While you need to be a member of Alliant Credit Union to get the card, you don't have to meet any special criteria to do so; it's possible to join by opting to support Alliant's partner charity. Pre-qualified offers are not binding. There's also a sign-up bonus, which is unusual among no-annual-fee cards with high rewards rates: , but its ongoing value rivals those of cards with big annual fees. » MORE: How to choose a cash-back credit card. If you’re not one to jump through hoops, track your spending, or juggle several credit cards, the Alliant Visa Signature is an excellent option. You’ll earn an unlimited 3% cash back in your first year, and then an unlimited 2.5% cash back after the first year for all of your purchases. Claire Tsosie is an assistant assigning editor for NerdWallet. The Aliant Credit Union Visa Signature is an excellent cash back card that gives the major banks a run for their money. The annual fee is, Capital One QuicksilverOne Cash Rewards Credit Card, is a solid flat-rate option. Other features: Auto rental collision damage waiver coverage, access to roadside dispatch services. Other cards that offer 2% back or higher typically require at least good credit (FICO score of 690 and up). With the Alliant Visa Platinum Rewards credit card, you’ll not only receive 5,000 bonus points, but you’ll … . Beyond union-specific benefits, the Alliant Visa Platinum Card also enjoys the basic benefits of a Visa credit card. Quietly! 10.24% to 22.24% variable based on creditworthiness and the Prime Rate, 19.24% to 24.24% variable based on creditworthiness and the Prime Rate, 0% to 5.99%, based on creditworthiness, for 12 months from account opening date, Get an introductory APR as low as 0% on purchases and balance transfers for 12 months from the date of account opening, Low standard APRs and generous credit lines, Earn 0.55% annual percentage yield with an Alliant savings account – 7X the national average, Alliant Cashback Visa Signature Credit Card, Want a no-nonsense credit card with an excellent earning rate. However, this does not influence our evaluations. It’s a flat-rate cash back credit card that offers 2.5-percent cash back on every purchase, no matter where, when or what you buy (up to $10,000 in qualifying purchases per billing cycle). Alliant is one of the largest credit unions in the United States. Her work has been featured by Forbes, USA Today and The Associated Press. The addition of a lengthy 0% intro APR period on both purchases and balance transfers is also a nice touch. The devaluation is reversed. Her work has been featured by The New York Times, USA Today, Business Insider and other media outlets. The bottom line: This card offers outstanding long-term value, and it's an even more compelling choice for those with average credit (FICO scores of 630 to 689); few cards marketed to that credit range offer such rich rewards. Here’s why: This card offers 2.5% cash back on qualifying purchases — with no categories to track. Credit Cards Live the high life with Alliance Bank Visa Infinite Credit Card and get rewarded with Timeless Bonus Points (TBP) for all your online purchases. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Many or all of the products featured here are from our partners who compensate us. If you plan to spend more than $19,800 a year on your card, it offers more long-term earning potential than the Alliant Visa® Platinum Rewards Credit Card. The Rewards Card features 2X points on purchases, a competitive APR, and no annual fee. But if you're not interested in joining a credit union, consider a different card, like the Citi® Double Cash Card – 18 month BT offer. There are plenty of great flat-rate cash back cards on the market today. If getting a 0% APR period is a priority for you, go with the Chase Freedom Unlimited®. As low as 0% intro APR 12 months on purchases and balance transfers, Intro APR period on Purchases and Balance Transfers, Alliant Visa® Platinum Rewards Credit Card, Citi® Double Cash Card – 18 month BT offer, 0% intro APR on Balance Transfers for 18 months, 0% intro APR for 14 months on purchases and balance transfers, Get more smart money moves — straight to your inbox. With no expiry date, Alliance Bank allows you the luxury to redeem your TBP and pamper yourself with attractive gifts anytime you want. NerdWallet strives to keep its information accurate and up to date. Alliant Credit Union’s bold unlimited cash back offer caught our attention. Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. Debit Cards. Only those with the best credit will get a 0% intro APR offer, and you won’t know if you qualified until after applying. The Alliant Visa® Platinum Rewards Credit Card is an excellent choice for those looking for rich, flat-rate rewards and a $0 annual fee. And unlike many standout cards, this one is available to those with average credit. We make it easy to transfer balances from your other credit cards so you can save money with Alliant's low interest rates. That's the amount everyone who's approved for the card is guaranteed to get. Receive up to $250,000 in travel accident insurance when you pay for your trip with your card. We believe everyone should be able to make financial decisions with confidence. The card earns a flat 2 points back on all purchases and offers flexible redemption options, and it's available to those with only average credit. It allows you to access funds from your checking account wherever you see the VISA symbol at more than 10 million stores, restaurants, and other locations around the world.So whether you are running errands, buying groceries, shopping for clothes or dining out – don’t worry. — but it doesn't require a membership, and you don't have to bank with Capital One to apply. As low as 0% introductory rate for 12 months on purchases and balance transfers, Plus, earn 5,000 bonus points with qualifying spend, Earn two reward points for every dollar spent. The 2X points the card offers are excellent value for money – as is the reasonably easy-to-achieve 5,000 bonus points when signing up. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The Alliant Visa Platinum Rewards Card doesn’t worry about bonus categories – instead offering a flat-rate 2X points on all eligible purchases. In time, you could qualify for a credit limit increase by always paying your bills in full by their due date and by improving your credit … Alliant Visa Platinum Rewards Card Review 2021.2 Update: The points are worth 1 cent/point again. Read more. If getting a 0% APR period is a priority for you, go with the, 0% intro APR on Purchases for 15 months, and then the ongoing APR of 14.99% - 23.74% Variable APR. It also earns 1.5% cash back on most purchases (plus some extra category bonuses earn 3-5%) and features a nice sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Our partners cannot pay us to guarantee favorable reviews of their products or services. Auto rental collision damage waiver coverage, access to roadside dispatch services. There's no special membership required, and you don't have to bank with Citi to apply. The plastic cards consumers have been carrying since the early 1900s may soon meet the same fate as vinyl records. Earn 5,000 bonus Alliant Rewards points after spending $500 or more in qualifying purchases during the first three billing cycles after the account is opened. All financial products, shopping products and services are presented without warranty. The Rewards Card features 2X points on purchases, a competitive APR, and no annual fee. It also earns 2% back on everything: 1% back when you make a purchase and another 1% back when you pay your bill. The low-rate card features a very competitive APR and a lengthy 0% APR period. We are a non-profit financial cooperative owned by our members. points for every dollar spent on qualifying purchases. Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Both versions of the Alliant Visa Platinum Credit Cards come with an introductory APR offer. Debt protection may help cancel an outstanding credit card or loan balance in the event of death, disability, or involuntary employment. If you have a checking account open with Alliant Credit Union, you’ll get one debit card to use for both your checking and your savings account. You can transfer a balance when you apply or after you've been approved for your Alliant Cashback Visa Signature card. New accounts also receive 0% intro APR for the first 12 months on both purchases and balance transfers. I applied for the Visa® Platinum Rewards Card (2% cash back, not the 3.5%/2.5% one) They pulled Transunion ContentsApplication LinkBenefitsDisadvantagesHow to Join Alliant Credit UnionRecommended Application TimeSummaryRelated Credit CardsHistorical Offers ChartApplication Link Application Link Alliant Visa Signature Benefits Earn 3% cash back on all purchases in the first year, and 2.5% cash … Who can qualify: To join Alliant Credit Union, you need to meet one of the requirements below. Pre-qualified offers are not binding. Offer ends April 30, 2021 Alliant Visa® Platinum Rewards Credit Card Good to Excellent Credit Recommended (670-850) Apply Now at Alliant Credit Union's Secure Site There's no special membership required, and you don't have to bank with Citi to apply. offers one of the highest rewards rates you can find. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Sign-up bonus: Earn 5,000 bonus Alliant Rewards points after spending $500 or more in qualifying purchases during the first three billing cycles after the account is opened. It also earns 2% back on everything: 1% back when you make a purchase and another 1% back when you pay your bill. The Alliant Visa Platinum Credit Cards from Alliant Credit Union are a quality pair of low APR and rewards credit cards that provide value in almost every instance. Among all credit cards for average credit, the. Earn An Impressive Flat-Rate of Cash Back. The double points the card earns make it a valuable addition to any wallet – especially as those points apply towards the usual award options: travel, merchandise, cash back, charitable donations, and more. Bank. It's richer than the. And while there’s an annual fee of $99, they are waiving it for the first year of card membership. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. So how do we make money? That card provides those with the very best credit score an APR of around 10% – significantly lower than anything they can expect from a major bank. This may influence which products we write about and where and how the product appears on a page. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. The Alliant Visa Platinum Rewards Card features two introductory bonuses: one for points and another for APR. Alliant members can enjoy debt protection benefits with the Visa credit card accounts, for instance. The annual fee on the Alliant Visa® Platinum Rewards Credit Card is $0, but its ongoing value rivals those of cards with big annual fees. I have been an Alliant member for almost 1 year, with a primary checking/savings account/paid $5,600 secure loan. The Alliant Visa® Platinum Rewards Credit Card combines the low interest rates of a credit union with the gains of a reward credit card. The card does have an introductory APR on purchases and balance transfers, but the rate you get is based on your creditworthiness. That makes it easy to come out ahead on rewards, no matter how much you spend. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge. Nerdy tip: Alliant Credit Union also offers the Alliant Cashback Visa® Signature Credit Card, for an annual fee of $0 intro for the first year, then $99. It's not quite as generous — it earns only 1.5% cash back and charges an annual fee of $39 — but it doesn't require a membership, and you don't have to bank with Capital One to apply. Here is a list of our partners. The Alliant Cashback Visa® Signature Credit Card pays 2.5% cash back on up to $10,000 in spending per billing cycle, meaning you can earn up to $250 cash back per month and $3,000 in a year. You don't have to bank with Chase to qualify, but you need at least good credit (FICO scores of 690 and higher). The rewards version of the card features a higher interest rate on purchases and balance transfers. All financial products, shopping products and services are presented without warranty. Best for cash back: Alliant Cashback Visa® Signature Credit Card. When evaluating offers, please review the financial institution’s Terms and Conditions. The Alliant Cashback Visa Signature Credit Card * is a hard card to beat for those who don’t spend more than $10,000 in a month but spend at least $20,000 per year on a credit card. The Alliant Visa Signature Card offers 2.5% cash back on all purchases. Read more, Robin is a former credit cards writer for NerdWallet. , and among the best rewards rates you can find on no-annual-fee cards. If you're looking for big flat-rate rewards for no annual fee, yes, as long as you don't mind joining the credit union. Alliant Cashback Visa Signature Credit Card Review. The annual fee is $0. The card comes with good redemption options, too; you can use points for cash back or travel, among other things, and points are always worth 1 cent each. BestCards does not include all card companies or all card offers available in the marketplace. Its rewards rate makes it a strong choice no matter what your credit score is. Our opinions are our own. Alliant Visa Signature Card Review 2019.4 Update: The annual fee is increased from $59 to $99 now. Alliant will make a $5 donation on your behalf, which will make you eligible for membership. NerdWallet's ratings are determined by our editorial team. In fact, for those with average credit (FICO scores of 630 to 689), it's nearly unbeatable. Rewards: 2 points for every dollar spent on qualifying purchases. This page includes information about the Alliant Visa® Platinum Rewards Credit Card currently unavailable on NerdWallet. The typical interest rates with the Alliant Visa Platinum Credit Card vary depending on which card you select: The low-rate version of the card naturally features the lowest interest rates. However, here’s the general information about the features and benefits of Alliance cards: Alliance credit cards offer high credit limits; No annual fee when you spend a minimum of RM5,000 or swipe your Alliance credit card 12x within a … One point is worth 1 cent no matter how you redeem it, and there's no limit to how much you can earn. Charitable donations in the form of a gift card to the charity of your choice. Points can be redeemed by logging into your Alliant Credit Union account and selecting one of the following options: Cash back, starting at $20 redeemed as a deposit to your Alliant savings or checking account, or as an account balance credit to your, As low as 0% introductory rate for 12 months on purchases and balance transfers, and then the ongoing APR of 13.24% - 23.24%, Variable. In fact, for those with average credit (FICO scores of 630 to 689), it's nearly unbeatable. And since Alliant knows a thing or two about travel, you can count on getting excellent value for those rewards points when booking flights. Among all credit cards for average credit, the Alliant Visa® Platinum Rewards Credit Card offers one of the highest rewards rates you can find. is an excellent choice for those looking for rich, flat-rate rewards and a. annual fee. The eligibility requirements to join Alliant's Credit Union are pretty accessible to most. If you don't live or work in one of the qualifying communities or jobs, or aren't related to someone who fits the description, you can join by opting to support Foster Care to Success, Alliant's partner charity. The card comes with good redemption options, too; you can use points for cash back or travel, among other things, and points are always worth 1 cent each. Travel and purchase protection. But if you're not interested in joining a credit union, consider a different card, like the, . HT: DoC/MyFICO. There are two primary drawbacks to owning the Alliant Cashback Visa® Signature Credit Card that you won’t find with other cashback credit cards. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. The Alliant Visa Platinum Credit Cards from Alliant Credit Union are a quality pair of low APR and rewards credit cards that provide value in almost every instance. Each Alliance Bank credit card comes with its own features and benefits. Credit unions are great because they offer member-oriented services not found with larger banks. A fee of 3% of the balance transfer applies. There's also a sign-up bonus, which is unusual among no-annual-fee cards with high rewards rates: Earn 5,000 bonus Alliant Rewards points after spending $500 or more in qualifying purchases during the first three billing cycles after the account is opened. Alliant Credit Union is organized differently than a bank. When evaluating offers, please review the financial institution’s Terms and Conditions. Here is a list of, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. If your credit is average, the Capital One QuicksilverOne Cash Rewards Credit Card is a solid flat-rate option. Alliant Cashback Visa® Signature Credit Card, . I figured my first post would be to share my data-point from an approval I received a few minutes ago with Alliant. If you plan to spend more than $19,800 a year on your card, it offers more long-term earning potential than the. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. One point is worth 1 cent no matter how you redeem it, and there's no limit to how much you can earn. It earns 2.5% cash back on up to $10,000 in purchases each billing cycle and requires good or excellent credit (FICO scores of 690 and higher).
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