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1 Star Rating
The card offers a good rebate but extremely poor and slow customer service. The card also has no security features resulting in lots of fraudulent charges.
Product: Alliant Credit Union Credit Cards
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Compare Alliant Credit Union Credit Cards
Alliant Credit Union credit cards can save you 1.5%to 2.5%on every purchase thanks to cash back rewards, and you won’t have to worry about paying an annual fee. There is only one Alliant credit card offer available at the moment, but it’s a great option for people with excellentcredit. Fortunately, you don’t have to live in a certain area or work for a particular company to be eligible for a credit card from Alliant Credit Union. Anyone can join Alliant Credit Union for free. If you have a question about an existing account, you can reach Alliant Credit Union credit card customer service at 800-328-1935.
Updating Results
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR13.74% - 23.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
13.74% - 23.74% (V)
annual fee
$0
rewards rate
1.5 - 2.5%* Cash Back
minimum credit
Excellent Credit
Pros
- No membership fees
- High rewards rate
- No foreign fee
- Reports to the three major credit bureaus
Cons
- Spending caps on rewards
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
Rewards Details
- *Tier One Rewards: Earn 2.5% cash back on your first $10,000 monthly eligible purchases and earn 1.5% cash back on your monthly eligible purchases above $10,000. Terms apply.
- Tier One Rewards Terms: In order to be eligible for Tier One Rewards the cardholder must meet the requirements for an Alliant High-Rate Checking account each month of the preceding calendar quarter and maintain an average daily balance of $1,000 or more in their Alliant High-Rate Checking account for the preceding calendar quarter.
- If you don’t qualify for Tier One Rewards during a calendar quarter, you will automatically earn Tier Two Rewards – unlimited 1.5% cash back rewards on all qualifying eligible purchases.
Additional Info
- Works with Google Pay™, Apple Pay™ and Samsung Pay™.
- Travel Benefits: $250,000 Travel accident coverage, Rental car collision coverage and Roadside assistance.
- Up to $5,000 of Personal Identity Theft Protection for covered expenses to restore your identity.
- Purchase Security coverage protects your purchases for the first 90 days after purchase, and Double Warranty Coverage effectively doubles manufacturer warranties.
- $0 fraud liability guarantee from Visa.
- More Details & Reviews About Alliant Cashback Visa® Signature Credit Card
Featured Credit Cards
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Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR16.49% - 17.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
16.49% - 17.99% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
15,000 points
Bonus Offer
15,000 points
minimum credit
Excellent Credit
Purchase Intro APR0% for 15 months from account opening
Transfer Intro APR0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR17.24% - 27.24% Variable
Purchase Intro APR
0% for 15 months from account opening
Transfer Intro APR
0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
17.24% - 27.24% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
minimum credit
Good Credit
Purchase Intro APR0% for 15 months
Transfer Intro APR0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR16.49% - 25.24% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
16.49% - 25.24% (V)
annual fee
$0
rewards rate
1.5 - 5% Cash Back
minimum credit
Good Credit
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Alliant Credit Union Credit Card Reviews
2.7
60 reviews
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1 Star Rating
Very slow processing of applications, with process failures along the way. I had to call multiple times to get them to move the process to the next step, only to be asked to resubmit documents that had been previously provided. In two occasions, poorly trained staff requested financial documents over (unencrypted) email, without any consideration of the security implications, even after I highlighted the risks.
Product: Alliant Credit Union Credit Cards
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1 Star Rating
Verified CustomerAlliant struggles with fraud reports. My card was stolen. Alliant called me to report suspicious charges, which I confirmed. Alliant immediately refunded $1000 in fraudulent charges. After that, things went badly.
1) Their representative refused to go over the list of charges with me, leaving another $2000 in fraud on my bill.
2) Alliant allowed the card to be used again the next day for an additional $400 in fraudulent charges.
3) After two weeks, several phone calls, and multiple e-mails, I have still not been able to talk to a supervisor about the issue.
4) I asked what would happen if I withheld payment for the fraudulent charges. Alliant's representative said they would report it to credit bureaus as non-payment.
5) I have no idea if Alliant is ever going to refund the fraudulent charges.
1) Their representative refused to go over the list of charges with me, leaving another $2000 in fraud on my bill.
2) Alliant allowed the card to be used again the next day for an additional $400 in fraudulent charges.
3) After two weeks, several phone calls, and multiple e-mails, I have still not been able to talk to a supervisor about the issue.
4) I asked what would happen if I withheld payment for the fraudulent charges. Alliant's representative said they would report it to credit bureaus as non-payment.
5) I have no idea if Alliant is ever going to refund the fraudulent charges.
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5 Star Rating
Verified CustomerI have been using this credit union for over 45 years. They have always been a top notch banking facility. I highly recommend them to all.
Product: Alliant Credit Union Credit Cards
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1 Star Rating
Miserable technology and customer service. I had accrued a significant cash back balance, which decided to use as statement credit to offset a statement balance (I pay off my balance each and every month). Entered the cash back balance transfer to statement credit (and received confirmation) on November 20, which did not post until December 14. This inexplicable delay pushed me past the statement payment due date (December 8), and Alliant assessed interest charges, which they would NOT remove (their response being that the cash back statement credit can take up to TWO billing cycles!!). I cancelled the card and will no longer do business with Alliant Credit Union.
Product: Alliant Credit Union Credit Cards
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They literally says that on the website before you redeem it. In black and white, it says redemption of statement credit can take up to two billing cycles and cannot be used to satisfy your minimum payment requirement. Not their fault you were too lazy to read. You could have just redeemed it into your account which only takes a few days as opposed to two billing cycles.
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5 Star Rating
Verified CustomerGreat Card to have for huge savings everyday. A must have to save on all personal expenses as it's been a life saver and good all around card.
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1 Star Rating
Worthless Credit Union
I have a used truck loan at Marine Credit Union with a 4.9 interest rate, credit cards with PenFed Credit Union. I have been with Alliant Credit Union the longest and its really hard to get approved for anything with good credit. To me they are totally worthless. I'm not sure why anyone does business with them. They say on most website reviews they are horrible but a few give them a great rating . I found out those with the great ratings are getting a commission on you joining. DON'T JOIN, there are so many other really good Credit Unions that really give you quality personal business. I highly recommend looking into PenFed
I have a used truck loan at Marine Credit Union with a 4.9 interest rate, credit cards with PenFed Credit Union. I have been with Alliant Credit Union the longest and its really hard to get approved for anything with good credit. To me they are totally worthless. I'm not sure why anyone does business with them. They say on most website reviews they are horrible but a few give them a great rating . I found out those with the great ratings are getting a commission on you joining. DON'T JOIN, there are so many other really good Credit Unions that really give you quality personal business. I highly recommend looking into PenFed
Product: Alliant Credit Union Credit Cards
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5 Star Rating
Verified CustomerThis card is great and is another step in the right direction for my new rebuilt credit score, I've worked hard to get my credit up and thanks so much for the opportunity Alliant
Product: Alliant Credit Union Credit Cards
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1 Star Rating
This is a horrible credit union, I strongly advise everyone NOT to join. I signed up for a credit card because of the 2.5% cash reward. I have over $1000 in my checking account and a $10000 limit on the credit card. They hold electronic payments from other banks 5-7 business days and freeze your CC account while the payment clears even though my CC balance shows only $5500. I am a heavy user of my CC so I thought this would be a great card since I would get 2.5% cash reward. However, my 'effective' credit limit is closer to $5500 since they float payments for 5-7 days. The CSR wanted to complete a 3-way call between, my other bank and Alliant (on a recorded line!) where I would have to reveal my secure login information for the other bank to the Alliant CSR and have the other bank verify that the payment has cleared. Some security measure! I made the payment on the Alliant website from a bank that was linked (and verified) by Alliant. I have never had a payment returned or a late payment on the CC, I believe that they are doing this to limit how much you can charge on the account to reduce the cash back amount that you can receive. STAY AWAY!!!
Product: Alliant Credit Union Credit Cards
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1 Star Rating
against Alliant, NOT recommend, Possible SCAM, Highly UNETHICAL business practice. I was applying their credit card online merely for 2.5% cash back incentive. They pulled my credit report and got my credit score of 790. They provisionally approved credit line of $10,000. At this point, everything is quite a industry standard. However, what happened next is irritating and at last a bizarre. They asked me to upload images of my ID, social security card, and utility bill. I uploaded them. Then they further asked me to upload more documents: "Proof of Income for Primary Applicant (i.e. 2 most recent Paystubs to verify wages or 2 years of Tax Returns if Self Employed)" , and "Verification of Employment Letter for Primary Applicant ". I was upset when I received their message asking these info because what they asked is too much as to industry standard. If they have informed me they would ask these info before the application was started, I would not have done this application and put all my personal info exposed to them which is high risk of misuse. At last, I warned them to delete all my info and not to misuse or resell my info.
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Alliant Credit Union Credit Cards FAQ
Get answers to your questions about Alliant Credit Union Credit Cards below. For more general questions, visit our Answers section.
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What's the starting credit limit for the Alliant Cashback Visa Signature card?
8
UpvotesReply
Jason Baker
The starting credit limit for the Alliant Cashback Visa Signature card is $10,000. That's the amount everyone who's approved for the card is guaranteed to get.
In time, you could qualify for a credit limit increase by always paying your bills in full by their due date and by improving your credit score and income.
What credit score is needed for the Alliant Visa Signature credit card?
3
UpvotesReply
Benny Taylor
An excellent credit score is needed to apply for the Alliant Visa Signature credit card. But this doesn't mean that your credit score alone will guarantee your approval. The issuer will also look at your income and debts to decide if you're a good fit for this card.
What are the Alliant Cashback Visa Signature card's rewards?
2
UpvotesReply
Evelyn Boros
The Alliant Cashback Visa® Signature Credit Card's rewards are:
- *Tier One Rewards: Earn 2.5% cash back on your first $10,000 monthly eligible purchases and earn 1.5% cash back on your monthly eligible purchases above $10,000. Terms apply.
- Tier One Rewards Terms: In order to be eligible for Tier One Rewards the cardholder must meet the requirements for an Alliant High-Rate Checking account each month of the preceding calendar quarter and maintain an average daily balance of $1,000 or more in their Alliant High-Rate Checking account for the preceding calendar quarter.
- If you don’t qualify for Tier One Rewards during a calendar quarter, you will automatically earn Tier Two Rewards – unlimited 1.5% cash back rewards on all qualifying eligible purchases.
How much is the Alliant Cashback Visa Signature foreign transaction fee?
2
UpvotesReply
Sebi Mitchell
The Alliant Cashback Visa® Signature Credit Card's foreign transaction fee is 0%. That makes it an ideal travel companion because you won't be charged extra when using your card in another currency. And for the same reason, it's also a great choice for online purchases from international merchants.
What credit bureau does the Alliant Credit Union Visa Signature card use for approval?
2
UpvotesReply
Frances Dawson
The Alliant Credit Union Visa Signature card mainly uses the TransUnion credit bureau for approval. But this doesn't mean it can't pull your report from the other major credit bureaus Experian and Equifax.
When it comes to reporting your financial activity, this card reports to all three major credit bureaus on a monthly basis.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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