Alliant Cashback Visa® Signature Credit Card
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The Alliant Cashback Visa® Signature Credit Card is a cash back card designed for those with good credit who don’t want to fuss with remembering cash back rates for different categories. However, you do have to jump through a few hoops to earn the highest rate of cash back, called Tier One Rewards (currently 2.5%). You’ll need an Alliant High-Rate checking account, sign up for direct deposit and maintain an average daily balance of $1,000. Otherwise, you’ll earn Tier Two Rewards (1.5% cash back). There’s a spending cap on Tier One Rewards as well. We dive into the details and your approval odds in this Alliant Cashback Visa® Signature Credit Card review.
Our Rating
4.7/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
None
Reward Rate
1.5% – 2.5% cash back
0% on Balance Transfers
None
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Roadside Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 17.49% to 27.49% (V) APR |
Insurance
Extended Warranty
When you use your covered Visa Signature® card for your eligible purchases Extended Warranty Protection will double the term of your eligible U.S. manufacturer’s warranty up to 1 additional year on eligible warranties of 3 years or less; for warranties of less than 1 year, the term is doubled; for warranties of one year or more an additional year of coverage is provided. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Signature® to secure transactions. For complete terms and conditions, contact your issuer for a copy of your Guide to Benefits.
Purchase Protection
Purchase Security protects new retail purchases made with your eligible Visa Signature card and/or rewards program associated with your covered Signature account within the first ninety (90) days from the date of purchase. For more information, refer to the Visa® Your Guide to Benefit: Purchase Security.
What Credit Score Is Required to Get the Alliant Cashback Visa® Signature Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 686
Average Approved Credit Score: 686
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/10/2023 | TransUnion |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Up to 2.5% cash back
- No welcome bonus
- High APR
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0