With a 2.5-percent cash back rate on all purchases, the Alliant Visa Signature Card is made for those who want to put all of their credit card spend onto one card.
Rewards Rate
2.5% cash back on every purchase (up to $250 cash back per billing cycle)
Sign-up Bonus
None
Annual Bonus
None
Annual Fee
$0
Average Yearly Rewards Value ($1,325 monthly spend)
$358
APR
12.24-22.24% (variable)
Rewards redemption
Pros
Cons
Customer Experience
Other Notable Features: No foreign transaction fee, car rental collision damage waiver, roadside assistance, travel accident insurance, purchase protection, personal identity theft protection, concierge services, $0 fraud liability
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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. 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).
Since you’ll be hard pressed to find another flat-rate card that offers as much cash back, the question is: why doesn’t everybody already have this card? The answer is twofold:
Keep in mind that joining Alliant Credit Union is pretty easy, but not necessarily free. Unless you work at or have retired from a company with an Alliant Credit Union membership, are related to a member, belong to one of any eligible associations or live in an eligible Chicago-area community, you will need to make a donation to Foster Care to Success to be granted a membership.
Since many people use multiple cards to maximize their earnings, card issuers often don’t include as many premium benefits on flat-rate cards as are found on rewards cards. Since Alliant is billing its card as a premium product, it’s reassuring to know that many premium features like purchase security and concierge service are included.
Additionally, having no foreign transaction fee is a nice benefit — it gives cardholders the opportunity to earn cash back anywhere in the world.
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CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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