Offer value details
Alliant's official Visa Signature page describes a cash back credit card with unlimited 1.5% cash back on purchases, no annual fee, no foreign transaction fee, Visa Signature benefits, and no category activation or cap language.
Qualification requirements
Cash back is earned on eligible net purchase activity. The program terms exclude finance charges, fees, cash advances, balance transfers, ATM transactions, PIN-based purchases, payment instruments, prepaid or gift-card activity, gambling-style transactions, and purchases made for business purposes.
Fees and costs
Alliant's reviewed fee table and disclosure list no annual fee and no foreign transaction fee. The disclosure lists purchase and balance-transfer APR of 15.74%-25.74%, cash-advance APR of 23.74%-27.74%, a 28.74% penalty APR, a balance-transfer fee of 3%, a cash-advance fee of $10 or 3%, and late or returned-payment fees up to $27.
Availability
Alliant membership and credit approval are required. Alliant says anyone is eligible to apply to join the credit union, but the card disclosure says Alliant can decline the account if the applicant does not meet creditworthiness, income, verification, or membership-eligibility standards.
What to verify
- This is an ongoing cash back profile, not a fixed opening bonus.
- Cash back excludes several transaction types, including balance transfers, cash advances, fees, payment instruments, and purchases made for business purposes.
- Interest, penalty APR, cash-advance fees, balance-transfer fees, and late or returned-payment fees can outweigh rewards.
- Membership and credit approval are required, and prequalification does not mean approval is assured.
- Alliant may change the cash back program, APRs, fees, and other terms as allowed by law.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.