Alliant Cashback Visa Signature Card

Earning Rates

Key Benefits

All Benefits

• 1.5% unlimited cash back on all purchases (post-November 1, 2025 transition rate) - prior to November 1, 2025 the card earned a tiered 2.5% on the first $10,000 in purchases per billing cycle and 1.5% thereafter (capped at $250/month in 2.5% rewards, $3,000/year) for cardholders who maintained Tier One Rewards Checking qualification; Alliant emailed cardholders on September 17, 2025 announcing the simplification to a flat 1.5% on all purchases effective for statements beginning on or after November 1, 2025 (per Doctor of Credit, Frequent Miler, NerdWallet, and Clark Howard reporting)
• $0 annual fee - the card transitioned to a $0 annual fee structure in earlier benefit revisions and the current Alliant product page lists the card as 'no annual fee' (per US News 2026 review and NerdWallet review); historical references to a $99 first-year-waived annual fee in older third-party reviews like MyBankTracker reflect a prior version of the card that no longer applies to current cardholders
• $0 foreign transaction fees on purchases made outside the United States or in a foreign currency (per Alliant product page and NerdWallet / Yahoo Finance reviews) - this remains intact post-November 2025 transition and is one of the few preserved structural advantages of the card vs. competitors like the Citi Double Cash, Wells Fargo Active Cash, and Chase Freedom Unlimited which charge 3% FX fees
• Tier One Rewards qualification (legacy benefit, now largely moot since both tiers earn 1.5% post-November 2025): requires opening and maintaining an Alliant High-Rate Checking account, opting in to eStatements, posting at least one electronic deposit per month (recurring direct deposit, ACH transfer, ATM deposit, mobile remote deposit, or transfer from an account at another institution), AND maintaining an average daily balance of $1,000 or more in the High-Rate Checking account during the previous calendar quarter (per Alliant product page disclosure quoted in Doctor of Credit / Yahoo Finance reviews)
• New cardholder grace period: Tier One rewards are automatically granted for the first 100 days after card approval without requiring the $1,000 average daily balance qualification in High-Rate Checking - this onboarding incentive remains in the post-November 2025 program although Tier One and Tier Two now both earn 1.5% so the practical benefit is reduced (per Yahoo Finance review citing Alliant product page)
• Alliant Credit Union membership is required to hold this card - membership is open to anyone in the United States who joins via the partnership with Foster Care to Success (Alliant makes a $5 donation on the new member's behalf as part of the application), works for an eligible employer (including PwC, Amazon, United, and many others), is an immediate family member of an existing Alliant member, or lives or works in select Chicago-area communities (per alliantcreditunion.org/membership)
• Visa Signature network benefits: Visa Signature Concierge (24/7 personal assistant for travel, dining, entertainment, and shopping requests), Visa Signature Luxury Hotel Collection (complimentary in-room Wi-Fi, $25 food/beverage credit per stay, room upgrade at check-in subject to availability, 4 PM late checkout at participating luxury properties), and Visa Signature Offers (rotating Visa-branded merchant promotions at participating partners)
• Auto Rental Collision Damage Waiver: secondary in the United States, primary outside the United States, when you reserve and pay for the entire rental with the card and decline the rental company's collision damage waiver (per Visa Signature Guide to Benefits)
• Travel and Emergency Assistance Services: 24/7 hotline for medical, legal, financial, and emergency coordination and referral services when traveling more than 100 miles from home (third-party service costs are the cardholder's responsibility, per Visa Signature Guide to Benefits)
• Cash back redemption: minimum $25 redemption (reduced from the historical $50 minimum as part of the November 2025 program transition - the only meaningful customer-favorable change in the overhaul, per Doctor of Credit reporting); redemptions are issued as statement credits or direct deposits to an Alliant savings or checking account, and cash back does not expire as long as the account remains open and in good standing
• Status of new applications: as of early 2026, CNBC Select reports the Alliant Cashback Visa Signature is 'no longer available' to new applicants although the Alliant product page URL is still live and Alliant has not publicly announced a closure date; existing cardholders retain the card under the post-November 2025 simplified rewards program
• Transfer partners: Not offered - this is a pure cash-back card with no airline or hotel transfer partners
• Airport lounge access (Priority Pass, Centurion Lounge, Capital One Lounge, etc.): Not offered - this is a $0 annual fee cash-back card with no complimentary lounge access tier
• Annual statement credits (Global Entry / TSA PreCheck, travel credit, dining credit, Uber / Lyft credit): Not offered - Alliant does not bundle any recurring statement credits with this product
• Travel insurance, cell phone protection, purchase protection, extended warranty, return protection: Not advertised as standard on the current Alliant Cashback Visa Signature Guide to Benefits