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  Alliant Credit Union Cashback Visa® Signature Credit Card

Alliant Credit Union Cashback Visa® Signature Credit Card

in Personal Credit Cards from Alliant Credit Union

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Alliant Credit Union Cashback Visa® Signature Credit Card

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in Personal Credit Cards from Alliant Credit Union

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Highlights
Purchase APR  (Variable APR) 12.24% - 22.24%
Balance Transfer APR  (Variable APR) 12.24% - 22.24%
Credit Score Range 700 - 850
Annual Fee $0 - $99

Alliant Credit Union Cashback Visa® Signature Credit Card Review

This is a cashback credit card issued by Alliant Credit Union. If you're wondering whether Alliant Credit Union Cashback Visa® Signature Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Alliant Credit Union Cashback Visa® Signature Credit Card has a variable purchase APR that ranges from 12.24% up to 22.24%.
  • Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $99 for the privilege.
  • Annual fee waived the first year. Alliant Credit Union Cashback Visa® Signature Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
  • 3% Balance transfer fee. Alliant Credit Union Cashback Visa® Signature Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Accepts cosigners. Alliant Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Alliant Credit Union Cashback Visa® Signature Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Alliant Credit Union Cashback Visa® Signature Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.
Alliant Credit Union Cashback Visa® Signature Credit Card FAQ

Does Alliant Credit Union Cashback Visa® Signature Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $25 back in cash.

What are the Alliant Credit Union Cashback Visa® Signature Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Alliant Credit Union Cashback Visa® Signature Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 22.24%. It also has a variable cash advance APR that ranges from 20.24% up to 24.24%. Note that late payments are subject to an APR of 25.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Alliant Credit Union Cashback Visa® Signature Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Alliant Credit Union Cashback Visa® Signature Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Alliant Credit Union Cashback Visa® Signature Credit Card?

The following fees apply:

  • There is no overlimit fee
Alliant Credit Union Cashback Visa® Signature Credit Card Fees
Fees Amount
Annual Fee Starting at $0 up to $99
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $27
Late Payment Fee up to $27

Does Alliant Credit Union Cashback Visa® Signature Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Alliant Credit Union Cashback Visa® Signature Credit Card?

The Alliant Credit Union Cashback Visa® Signature Credit Card customer service number is (800) 328-1935.

Does Alliant Credit Union Cashback Visa® Signature Credit Card report your account activity to credit bureaus?

Yes, Alliant Credit Union Cashback Visa® Signature Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Alliant Credit Union Cashback Visa® Signature Credit Card

  • Visit the Alliant Credit Union Cashback Visa® Signature Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

Other Services by Alliant Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $0 - $99
Minimum Interest Charge $1
Returned Payment Fee Up to $27
Late Fee Amount Up to $27
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • 2.5% Cash Back on Every Purchase up to $10000 monthly
Cash Advance APR (Variable APR) 20.24% - 24.24%
Balance Computation Average Daily Balance, which includes new purchases, cash advances, and balance transfers.
Penalty APR (Variable APR) 25.24%
Purchase APR (Variable APR) 12.24% - 22.24%
Balance Transfer APR (Variable APR) 12.24% - 22.24%
Balance Transfer Fee % 3%
Card Type
  • Cashback
Card Network Visa

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