Alliant Credit Union Credit Cards

53 Reviews

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Compare Alliant Credit Union Credit Cards

Please find below credit cards offered by Alliant Credit Union.

Alliant Cashback Visa® Signature Credit Card

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR12.24% - 22.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

12.24% - 22.24% (V)

annual fee

rewards rate

1.5 - 2.5%* Cash Back

minimum credit

Excellent Credit

Show Details

Alliant CU Visa® Platinum Rewards Card

Purchase Intro APR0% - 5.99% for 12 months

Transfer Intro APR0% - 5.99% for 12 months|Transfer Fee: 2% (min $5)

Regular APR13.24% - 23.24% (V)

Purchase Intro APR

0% - 5.99% for 12 months

Transfer Intro APR

0% - 5.99% for 12 months|Transfer Fee: 2% (min $5)

Regular APR

13.24% - 23.24% (V)

annual fee

rewards rate

2 points / $1

Rewards Bonus

5,000 points

Rewards Bonus

5,000 points

minimum credit

Excellent Credit

Show Details

Alliant Credit Union Credit Card Reviews

32%

13%

47%

2.8

53 reviews

What's Your Rating?

Travis
September 16, 2021 • @travisagarber

Verified Customer

This 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

Comment

raymonpl001
September 8, 2021 • @raymonpl001

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

Comment

real person
August 23, 2021 • @realperson0

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.

Product: Alliant Credit Union Credit Cards

Comment

Cole
August 18, 2021 • @colet1

Verified Customer

1.5 cash back is great! Alliant credit union has good integrations making it pretty easy to track spending. Their app isn’t amazing itself but it works well enough.

Product: Alliant Credit Union Credit Cards

Comment

Louis V
June 23, 2021 • @Bitholov

As of July 2021, this card will have changes: $0 annual fee. Tier 1 (applicants with Alliant checking account with at least $1,000 daily balance): current rewards rate on the first $10,000 of purchases per month, and 1.5% back on purchases above $10,000 monthly. Tier 2 (other applicants): 1.5% on all purchases.

Product: Alliant Credit Union Credit Cards

Comment

Louis V
August 11, 2021 • @Bitholov

The rewards expire in 4 years.

Comment

evansinvestmentco
June 22, 2021 • @evansinvestmentco

Verified Customer

Worst card ever, started out fine with a $5,000 limit a couple years ago then out of the blue they just dropped my limit to $500! I paid every bill on-time. No reason for this! I was just getting things turned around after the pandemic that is not even completely over yet! If they did this to me, I wonder how many others? I tried to get them to reconsider and they said no. I said I was cancelling the card and she had the nerve to ask if I wanted to move my savings accounts there. Unbelievable!

Product: Alliant Credit Union Credit Cards

Comment

edmund36
June 19, 2021 • @edmund36

Verified Customer

Poor customer service. After receiving my card in 3 days a bill was generated via email. I thought it was a welcome type email. Did not receive a bill in mail, this is how spouse pays bills. Within a 30 day period received a another email bill with late fee plus an interest charge. Also my card was turned off from use! I called them to pay in full, but they would not return the interest penalty. I was told they are paperless, unless you pay addl fee. This was my welcome experience. 2 ebills and shut off card all within a 30 day period? Cancelled account as they are not into customer service at all. Amex for example , is opposite side of the spectrum.

Product: Alliant Credit Union Credit Cards

Comment

Anel
May 18, 2021 • @anelr2k

Verified Customer

I like the rewards.
Wonderful fraud detection. Always contact me when purchases don't look legitimate.
Feel very safe banking with Alliant credit union.

Product: Alliant Credit Union Credit Cards

Comment

robert_79811
May 4, 2021 • @robert_79811

Customer service is incredibly poor. They're supposed to be a credit union with a focus on serving their members, but instead they have some of the most stringent policies of any institution that I've dealt with. You'll get far better service and attentiveness from most other financial institutions. I had high hopes for working with them and was left highly disappointed.

Product: Alliant Credit Union Credit Cards

Comment

Mike Catherwood
May 4, 2021 • @mike_c

This card has a great 2.5% cash back, though you have to spend >$4000 before you cover the annual fee. Downside is the complete lack of customer service. They appear to outsource the card management and basically take no responsibility for handling any service related issues. So good luck if you ever have a problem that needs an actual live person to resolve (which is not even an option when you call in but '0' works) - you'll be on hold for an eternity! Oh, and their call-back option simply does not work.

Product: Alliant Credit Union Credit Cards

Comment

Review Alliant Credit Union Credit Cards

Alliant Credit Union Credit Card Q&A

Get answers to your questions about Alliant Credit Union Credit Cards below. For more general questions, visit our Answers section.

What's the starting credit limit for the Alliant Cashback Visa Signature card?

Upvotes

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?

Upvotes

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?

Upvotes

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?

Upvotes

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?

Upvotes

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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