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 12.24% 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 (8.3x the national average69)

• ATM fee rebates up to $20/month19

• No monthly service fees19

Learn more

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

If you don’t qualify for Tier One Rewards during a calendar quarter, you’ll automatically earn Tier Two Rewards in the following quarter:

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

How to maximize your cashback with Tier One Rewards

Earning Tier One Rewards

  1. Meet the requirements* for an Alliant High-Rate Checking account for each month of the preceding calendar quarter.
  2. Maintain an average daily balance of $1,000 or more in your Alliant High-Rate Checking account for each month of the preceding calendar quarter.

Eligibility will be determined on a quarterly basis and be based upon the four calendar quarters of each year, segmented as: January through March, April through June, July through September, and October through December. For example, to earn Tier One Rewards for January, February and March of 2022, you must meet the above requirements in October, November and December of 2021. New cardholders will initially earn Tier Two Rewards until they have met Tier One Rewards eligibility requirements for an entire calendar quarter.

*Alliant High-Rate Checking requirements

  1. Get Alliant Checking. After you’re approved for your Visa Signature card, visit to apply to open a checking account in online banking. If you already have an Alliant Checking account, you don’t need to open a new one.
  2. Qualify for Alliant High-Rate Checking by signing up for eStatements and having one monthly electronic deposit. You can easily schedule automatic recurring deposits via online or mobile banking so you can set it and forget it.

Best Credit Unions 2020 - CNBC

"Best Credit Unions 2020"

Best Cash Back Credit Card of 2019-20 - MONEY

"Best Cash Back Credit Card of 2019-20"

Best Credit Cards of 2021 - WalletHub

"Best Credit Cards of 2021"

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

No foreign transaction fee83

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

Personal identity protection

Up to $5,000 of Personal Identity Theft Protection for covered expenses to restore your identity.

Protection on purchases

Purchase Security coverage protects your purchases for the first 90 days after purchase, and Double Warranty Coverage effectively doubles manufacturer warranties.

Travel accident coverage

When you pay for your trip with your Alliant Signature card, you’ll have $250,000 of free travel accident insurance.

Rental car collision coverage

Pay with your Alliant Signature card and you’re automatically protected by Auto Rental Collision Damage Waiver (ARCDW) coverage.

Roadside assistance

Your Signature card provides free 24-hour access to pay-per-use roadside assistance via Roadside Dispatch

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

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 7-10 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.

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