Your everyday cashback credit card

Earn unlimited cash back with no annual fee and no tricky categories to track with the Alliant Cashback Visa® Signature Credit Card84

Alliant Visa Signature Credit Card
The Run Down
  • Earn unlimited cash back with no categories to track84
  • Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)84
  • Rates as low as 17.49% APR83
  • No foreign transaction fees83
  • No Annual Fee
  • Works with Google Pay™, Apple Pay™ and Samsung Pay™ 38
  • $0 fraud liability guarantee37 from Visa
You’ll love Alliant High-Rate Checking

• 0.25% APY19 (2.0x the national average69)

• ATM fee rebates up to $20/month19

• No monthly service fees19

Learn more

Alliant Visa Signature Tiered Rewards Program

Tier One Rewards

  • 2.5% cash back on the first $10,000 of qualifying eligible purchases per billing cycle
  • Unlimited 1.5% cash back on all other qualifying eligible purchases
  • No annual fee

Tier Two Rewards

  • Unlimited 1.5% cash back on all qualifying eligible purchases
  • No annual fee

Tier One Rewards cash back example:

Spend $15,000 per month: Earn $3,900 cash back per year
$10,000 x 2.5% + $5,000 x 1.5% = $325
$325 x 12 months = $3,900

Tier Two Rewards cash back example:

Spend $15,000 per month: Earn $2,700 cash back per year
$15,000 x 1.5% = $225
$225 x 12 months = $2,700

Plus, your Alliant Visa Signature card comes with tons of other great perks, such as no foreign transaction fees, $0 fraud liability guarantee,3 emergency card replacement and much more.

Earning Tier One Rewards

  • Tier One Rewards qualification is applied to each billing cycle, based on meeting the Alliant High-Rate Checking qualifications listed below during the preceding calendar month. If you haven't yet opened a checking account, you can open one today in Alliant online banking.
  • Primary cardholder must meet the following Alliant High-Rate Checking requirements in each calendar month:

    1. Opt in to receive eStatements; and
    2. At least one electronic deposit posted to the account each calendar month (direct deposit, ATM deposit, mobile check deposit or transfer from another financial institution); and
    3. Maintain an average daily balance of $1,000 or more
  • New cardholders will automatically earn Tier One rewards for the first 100 days after card approval.

Example: A billing cycle beginning on September 13 will earn Tier One Rewards based on Alliant High-Rate Checking qualifications met during the calendar month of August. A billing cycle beginning on August 28 will earn Tier One Rewards based on Alliant High-Rate Checking qualifications met during the calendar month of July.

Highest Flat Rate Cash-Back Credit Card

Best Credit Union Card

Best Credit Union Credit Cards

Protecting you and your purchases – at home and on the road

Learn more about your Visa Signature card benefits

No foreign transaction fee

Say adios to foreign transaction fees and bonjour to great travel benefits like emergency card replacement, emergency cash disbursement and concierge services.

Personal Identity Theft protection99

Personal Identity Theft provides reimbursement up to $5,000 for covered expenses you incur to restore your identity as a result of a covered stolen identity event. For more information, refer to the Visa® Your Guide to Benefit: Personal Identify Theft.

Purchase Security100

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.

Travel Accident Insurance101

As a Visa Signature cardholder, you and your dependents* become covered automatically when the entire Common Carrier fare is charged to your covered Visa Signature card account. For more information, refer to the Visa® Your Guide to Benefit: Travel Accident Insurance.

Auto Rental Collision Damage Waiver98

Auto Rental Collision Damage Waiver (ARCDW) eliminates the need to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles—saving you money on insurance costs. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Alliant Visa Signature card to secure transactions. Please refer to your Visa® Guide to Benefits for more information.

Roadside Dispatch

Roadside Dispatch provides you with 24-hour access to roadside assistance via a toll-free number. This pay-per-use roadside assistance program is provided expressly for Visa cardholders. Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for more information.

ID Navigator Powered by NortonLifeLock™

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock, your partner against identity theft, helps provide you with tools so you can act quickly should the unexpected happen.

To confirm eligibility, visit

Extended Warranty Protection102

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.

Greater Security

All Alliant Visa® credit cards come equipped with EMV chip technology. Enjoy global acceptance and enhanced security when you use your credit card domestically and internationally at merchants with terminals that are chip enabled.

In addition to the EMV chip, Alliant credit cards will retain their magnetic stripe, giving you ultimate payment flexibility around the globe. Learn more.

Visa Signature Credit Card FAQs

How often does my APR (Annual Percentage Rate) change?

The APR on new purchases and balance transfers can increase or decrease quarterly. The rate is determined by adding the highest U.S. Prime Rate published in The Wall Street Journal during the last two business days of the previous quarter, plus a margin of 8.99% - 18.99%.

What is an authorized user on my credit card?

An authorized user is someone who has been given access to use and make purchases on another cardholder’s account. They are not legally responsible for the debt. Being an authorized user can help build your credit. Credit score can be impacted both positively and negatively by being an authorized user.

How do I add an authorized user to my credit card application?

You can add an authorized user by either calling Alliant or in the Alliant Loan Application.

Are there any fees associated with my Visa Signature Credit Card?

If a payment is late or returned, a fee is assessed. For balance transfers, a fixed dollar amount or a fee is charged. There is no annual fee for the Alliant Cashback Visa® Signature card. Please find additional information within our Terms and Conditions.

How long does it take to get a credit card in the mail?

Once the application is accepted, it typically takes 14-21 days to receive your new Alliant Visa credit card in the mail.

How do I enroll in the Rewards or Cashback Program?

Not to worry! All Alliant credit card holders are automatically enrolled in their applicable rewards program. 

How can I receive my credit card cash back?

You can choose to receive cash back from your Alliant credit card via a credit card statement credit (appearing within one billing cycle) or as a deposit into your Alliant checking or savings.

Do you offer a debt protection plan?

Yes, we offer a debt protection benefit plan in the event of death, disability or involuntary unemployment. Read about the debt protection plan or speak to your Loan Consultant for additional details.

Can I transfer balances from my other credit cards to my Alliant Cashback Visa Signature card?

Absolutely. We make it easy to transfer balances from your other credit cards so you can save money with Alliant's low interest rates. You can transfer a balance when you apply or after you've been approved for your Alliant Cashback Visa Signature card. A fee of 3% of the balance transfer applies.

How do I know what cashback tier I’m earning?

Soon, you will be able to view your cashback status in Alliant online banking and in our mobile banking app. In the meantime, you can see your status on your monthly credit card statement, which is available 24/7 in Alliant online banking. Alternatively, you can call our Member Care Center at 800-328-1935.

Why does this program depend on the Alliant High-Rate Checking account?

The Alliant Cashback Visa Signature card offers all cardholders unlimited 1.5% cashback with no annual fee – which is already a great value! Alliant members with a High-Rate Checking relationship can enjoy the added benefit of 2.5% cashback on the first $10,000 of eligible purchases per billing cycle.

What should I do if I can’t make my payment on time?

Alliant offers a Loan Assistance Program to support our members who are suffering through a financial hardship and need extra help to get back on track financially. Learn more on the Alliant Loan Assistance Program page of our website.

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