How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Alliant Cashback Visa® Signature Credit Card Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.2
Alliant Cashback Visa® Signature Credit Card
Rewards rate
Up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
Annual fee
$0
Foreign transaction fee
$0
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: The Alliant Cashback Visa® Signature Credit Card is a solid card that offers a generous rate of 2.5% cash back for those who meet the account requirements.

Pros and cons

  • Earn up to 2.5% cash back
  • $0 annual fee
  • Foreign transaction fee: $0
  • Potentially low APR
  • No sign-up bonus
  • Restrictions on 2.5% cashback rate
  • Must join a credit union
  • No introductory APR

Is the Alliant Cashback Visa® Signature Credit Card a good card?

Citi is an advertising partner.
It’s not unusual for a flat-rate cash back credit card to offer 1.5% back, or even 2% back, for every $1 spent. But 2.5% cash back? That’s an exceptional rewards rate – and if that appeals to you, you may want to consider the Alliant Cashback Visa® Signature Credit Card.

No card is perfect, and this one is no exception. Drawbacks include qualifying for an Alliant Credit Union membership, no sign-up bonus and a few requirements that stand in the way of earning 2.5% cash back. There are workarounds for the membership and the requirements may be doable for some. Read on to learn more about Alliant Cashback Visa® Signature Credit Card and see if it’s right for you.

Alliant Cashback Visa® Signature Credit Card overview

    • Up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
    • $0 annual fee
    • No foreign transaction fee
    • 17.49% to 27.49% APR
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good/Excellent
  • Works with Apple Pay™, Google Pay™ and Samsung Pay™
  • $0 fraud liability
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Purchase security
  • Extended warranty protection
  • Personal Identity Theft protection
  • ID Navigator Powered by NortonLifeLock™
  • Travel accident insurance

Intro Purchase APR

N/A

Regular Purchase APR

17.49% to 27.49%

Intro BT APR

N/A

Regular BT APR

17.49% to 27.49%

Annual Fee

$0

Cash Advance Fee

Either $10 or 3% of the amount of each cash advance, whichever is greater

Foreign Transaction Fee

$0

Balance Transfer Fee

3% of the amount of each transfer.

What we like about the Alliant Cashback Visa® Signature Credit Card

  • Exceptional cashback rate

    You can earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000). After that, you’ll earn 1.5% cash back, which is still quite good.

  • Doesn't charge an annual fee

    With an annual fee of $0, the Alliant Cashback Visa® Signature Credit Card will help keep more money in your pocket.

  • No foreign transaction fee

    While this isn’t a travel card, it’s one you can take with you when business or pleasure takes you outside of the United States because when it comes to foreign transaction fees, there are $0. Additionally, as a Visa Signature card, it offers a number of benefits, including travel and purchase protections, from Visa.

  • Low APR for those who qualify

    While paying interest negates any cash back earned, an emergency may make it necessary to carry a balance. It’s good to know that the Alliant Cashback Visa® Signature Credit Card has a regular APR that’s on the lower end of the spectrum – 17.49% to 27.49% (variable).

What to look out for with the Alliant Cashback Visa® Signature Credit Card

  • 2.5% cash back comes with a catch

    Being approved for the Alliant Cashback Visa® Signature Credit Card doesn’t mean that you automatically earn 2.5% cash back on your first $10,000 in purchases each billing cycle. You first need to qualify for “Tier One” rewards which is the 2.5% rate. Others qualify for “Tier Two” rewards, which give you 1.5% cash back.

    Qualifying for the higher rate is achievable by doing a few things:

    • Open an Alliant High-Rate Checking account.
    • Sign up for eStatements.
    • Have at least one posted electronic deposit monthly.
    • Maintain an average daily balance in your checking account of $1,000 or more each month.
    New cardholders automatically earn Tier One rewards for the first 100 days after card approval.
  • No sign-up bonus

    Many cash back credit cards come with a sign-up bonus if you meet a certain spending target within the first few months of card ownership. These can be a big help if you’re looking to take advantage of such an offer to offset the cost of a large purchase. Unfortunately, the Alliant Cashback Visa® Signature Credit Card doesn’t offer a sign-up bonus.

  • You must join a credit union

    The Alliant Cashback Visa® Signature Credit Card is issued by Alliant Credit Union, which has corporate headquarters in Chicago but is a digital credit union. Membership is available to those who work for or are retired from an Alliant partner; a domestic partner or immediate family of an Alliant member; or if you live or work in one of Alliant’s eligible communities.

    However, there’s a workaround that opens up membership to anyone. You can join Foster Care to Success (FC2S) and Alliant will pay the $5 membership fee on your behalf. Now you’re qualified for membership.

  • Lacks a 0% intro APR

    This is not the card to choose if you need to finance a large purchase or make a balance transfer with a 0% APR credit card. With the Alliant Cashback Visa® Signature Credit Card you will pay the regular 17.49% to 27.49% (variable) from day one.

Alternative cards to the Alliant Cashback Visa® Signature Credit Card

Alliant Cashback Visa® Signature Credit Card vs. Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
19.24% - 29.24% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Fair/Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Citi Double Cash® Card comes with not only a sign-up bonus but also you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

The card has a $0 annual fee and offers an intro APR of 0% intro APR for 18 months on Balance Transfers. After, a 19.24% - 29.24% (Variable) applies. Unlike the Alliant Cashback Visa® Signature Credit Card, there’s no credit union to join, nor cap on what you earn.

Alliant Cashback Visa® Signature Credit Card vs. Citi Custom Cash® Card

| Disclosures
Citi Custom Cash® Card
Citi Custom Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
0% intro APR for 15 months on Purchases
19.24% - 29.24% (Variable)
$0
Earn 5% cash back on purchases in your top eligible spend category
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
600 660 720 850
Fair/Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

For those who don’t mind a more complex rewards program, or if you mainly use your credit card to make one type of product like gas or groceries, the $0 annual fee Citi Custom Cash® Card may be for you. You can earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

The card comes with a sign-up bonus and the following intro offers: 0% intro APR for 15 months on Purchases, then an APR of 19.24% - 29.24% (Variable) and 0% intro APR for 15 months on Balance Transfers on balance transfers, then an APR of 19.24% - 29.24% (Variable).

Alliant Cashback Visa® Signature Credit Card vs. Wells Fargo Active Cash® Card

| Disclosures
Wells Fargo Active Cash® Card*
Wells Fargo Active Cash® Card
Learn More
on Wells Fargo's secure site
0% intro APR for 15 months from account opening
20.24%, 25.24%, or 29.99% Variable APR
$0
Earn unlimited 2% cash rewards on purchases
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
660 720 850
Good/Excellent
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Wells Fargo Active Cash® Card has a $0 annual fee and a sign-up bonus. As a cardholder, you’ll earn unlimited 2% cash rewards on purchases. With long intro APR offers, this card is good for financing big purchases since you’ll get a 0% intro APR for 15 months from account opening from account opening on purchases. After that, a 20.24%, 25.24%, or 29.99% Variable APR applies.

Balance transfers also come with a 0% intro APR for 15 months from account opening on qualifying balance transfers. After that, a 20.24%, 25.24%, or 29.99% Variable APR applies.

Is the Alliant Cashback Visa® Signature Credit Card right for you?

If you’re willing to go through the extra steps of joining a credit union and meeting the requirements needed to earn the 2.5% cash back rate, the Alliant Cashback Visa® Signature Credit Card is a great card to have. Even if you do charge more than $10,000 a month, you will still be earning more than most cash back cards.

However, if you don’t want to jump through the hoops, or if you’re looking for a card with an intro APR offer on purchases and balance transfers, there are better options, like the Citi Double Cash® Card or Citi Custom Cash® Card.

The information related to the Wells Fargo Active Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

The information related to the Alliant Cashback Visa® Signature Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.