Platinum Rewards Visa

Alliant Platinum Rewards Visa® credit card… now with a Cash Back option

Get the Alliant Platinum Rewards Visa and earn 10,000 Alliant Rewards bonus points after you make $500 or more in purchases during the first 90 days your account is open.4

With our Platinum Rewards Visa®, you’ll enjoy all the benefits of our Visa® Platinum card, plus you get Alliant Rewards points with every purchase. Points can be redeemed for Cash Back1, brand-name merchandise, travel and more.

  • Introductory Rate of 0% to 5.99% APR for qualified applicants2
  • Standard Variable Rate 11.24% to 23.24% APR3
  • Earn one point (e.g., $1 = 1 point) with each dollar you spend on purchases
  • The more you purchase, the quicker the points accumulate
  • No limit on the total number of points you can accumulate
  • No annual fee
  • Enhanced security with EMV chips

Alliant Rewards

Redeem Rewards for…

  • Travel on most major airlines with no blackout dates, a cruise, car rental upgrades and more
  • Cash and gift cards
  • Pamper yourself with a relaxing spa day, or select from a wide variety of name brand electronics, appliances, sports equipment and other merchandise
  • Learn more about the travel and merchandise rewards and rules at

Visa® Lost or Stolen? Call: 866-444-8529

Protect your Visa® credit card and Visa® check card with a secure password for online shopping.

Save time with Automatic Payment

For your convenience, you can choose to have your payment made from an Alliant account or an account you hold at another financial institution. Plus to help you manage your budget, you can designate the amount that you want to pay each month. To take advantage of this free service, simply select the Payment Method when you apply for your Alliant Visa credit card or change your payment method at any time.

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View Disclosures

1 Cash Back option is provided as an account credit to your Platinum Rewards Visa credit card.
2 The introductory APR will apply to purchases and balance transfers made during a promotional period of 12 months from the opening of your Visa account. After this promotional period ends your standard APR will apply to all new purchases and balance transfers, and all unpaid balances.
3 The APR on purchases and balance transfers may increase or decrease quarterly. The rate will be determined by adding the highest U.S. Prime Rate published in The Wall Street Journal during the last business day of the previous calendar quarter plus a margin of 7.99% to 19.99% APR. The U.S. Prime rate as of September 30, 2013 was 3.25% APR. The APR you receive is determined based on your creditworthiness. APR = Annual Percentage Rate.
4 To earn the 10,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on his/her Alliant Credit Union Platinum Rewards Visa credit card during the first 90 days the account is opened. Points will be awarded and posted to the account, if applicable, at the close of your fourth billing cycle.


Visa® Credit Cards
Account Information 866-444-8529
Lost/Stolen Cards 866-444-8529
Visa Benefit Questions 800-Visa-911
24-hour account access, 7-days-a-week

Visa® Credit Card Payments
(Via US Mail)
P.O. Box 1666
Des Plaines, IL 60017-1666

(Via FedEx)
Alliant Credit Union
Attn: Visa Operations
11545 W. Touhy Ave
Chicago, IL 60666

Send Written Disputes to:
Alliant Credit Union
Attn: Cards Risk Management Team
P.O. Box 10409
Des Moines, IA 50306

MEMBER’S CHOICE™ Protection - valuable protection that helps safeguard you and your family when you may need it most

Alliant is pleased to offer MEMBER’S CHOICE™ Protection for your Alliant Visa credit card. By choosing this valuable protection, you’ll be adding a safety net for loan payments that helps to bring peace-of-mind for you and your loved ones should you encounter unforeseen financial difficulty due to disability, involuntary unemployment or death.

  • Protects up to two borrowers per loan for the same rate
  • Cancels your outstanding Visa® balance up to $50,000 in the event of death
  • Cancels your monthly loan payment for up to six months or $6,000 in the event of disability
  • Defers your monthly loan payment for up to six months or $6,000 if involuntarily unemployed

To take advantage of this benefit, simply check MEMBER’S CHOICE™ Visa® Credit Card Protection on the Visa Credit Card application. The fee will be added to your outstanding balance each month. This valuable protection can be added at any time.

MEMBER’S CHOICE™ Protection Agreement for Visa Cards (PDF)

MEMBER’S CHOICE™ Protection contains certain terms and exclusions. Protection is not available for term loans or Interest-only Home Equity products. The protected borrower(s) may not be eligible for all benefits. Refer to the MEMBER’S CHOICE™ Protection Agreement for complete details. The MEMBER’S CHOICE™ Protection fee will be added to your loan and calculated in your monthly payment. Rates, terms and conditions are subject to change. Purchase of this protection is voluntary and not required in order to obtain credit. We will not consider whether or not you elect this protection in making our credit decision.


Frequently Asked Questions

How often does the Annual Percentage Rate (APR) change on the Alliant Visa Platinum credit cards?
The APR on new purchases and balance transfers may increase or decrease quarterly. The rate will be determined by adding the highest U.S. Prime Rate published in The Wall Street Journal during the last two business days of the previous calendar quarter plus a margin of % to % APR.

Why should I get my Visa® from Alliant over another vendor?
If you’re an Alliant Credit Union member, a Platinum Rewards Visa® from Alliant makes perfect sense because they’re tailored to give you the purchasing power you deserve, while saving you money over higher interest rate credit cards with every statement. We offer a great interest rate–that's not a promotion or introductory rate that will eventually go away. Plus, Alliant does not charge an Annual Fee or Balance Transfer Fee unlike other credit cards.

What kind of Visa® Credit Card does Alliant offer?
We give you the option to choose from Platinum and Platinum Rewards credit cards. You’ll enjoy the same features and benefits with either card, but with Platinum Rewards you will earn bonus points for every net dollar you spend on the card. Rewards bonus points can be redeemed for valuable merchandise, travel and more.

Does Alliant offer EMV chip-enhanced Visa® Credit Cards?
Yes, Alliant now offers EMV chip-enhanced cards, offering you greater global acceptance and enhanced security. EMV, which stands for Europay, MasterCard and Visa, is a global standard for credit and debit payment cards using embedded microchips. Alliant’s EMV credit card has an embedded microchip that allows you to pay at international merchants where chip cards are the standard. Alliant cards also have a magnetic stripe on the back, so you can continue to make purchases domestically by swiping your card and signing a receipt. To learn more about EMV and how to request your own EMV chip-enhanced Alliant Visa credit card, refer to our EMV Chip-Enhanced Cards FAQ.

Do I need MEMBER’S CHOICE™ Credit Card Protection for my credit card?
The decision of whether to add our low cost MEMBER’S CHOICE™ Credit Card Protection payment protection to your card is up to you. For only pennies a day, you’ll be protecting you, your credit and your family from loss should you be unable to make your payment due to an unexpected disability or death.

Can I transfer balances from my other credit cards?
Yes, Alliant offers you the opportunity to transfer balances from your other credit cards (national or store cards) and save money with a lower interest rate. We won’t charge you a fee to transfer the balances to your Platinum Rewards Visa® either, like other institutions do. You can transfer balances from other high interest credit cards when you apply for the card, or anytime by logging in to your account and selecting "Balance Transfer" under the options for your credit card, or by contacting a Member Service Representative.

How can I maximize my rewards?
It’s simple… the more you use your Alliant Platinum Rewards Visa®, the more Alliant Rewards points you accumulate and the greater potential rewards you can get. Save for a cruise, airline tickets, electronics, cash back, gift cards, and more. Items and services you can redeem for rewards are always being added, so check your rewards catalog frequently.

Do Alliant Platinum Rewards Visa® points expire?
Points will expire four years from the end of the calendar year in which they were earned, and will expire on a first-in, first-out basis annually (e.g., points earned in calendar year one will expire on the last business day of calendar year five).

Visa® Credit Card Blocked Transactions

At Alliant, security is one of our top priorities. To help protect your personal identity and Alliant accounts against fraudulent activity, we will occasionally block transactions in foreign countries and other areas where fraud is widespread.

If you are planning to travel to any of the following locations, please call us at 800-328-1935 (24/7) for additional information and tips.

Lost or Stolen Credit Card
If your card is lost or stolen please call us at 866-444-8529 (24/7).

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