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 13.74% 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 (4x 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

Please note that effective 10/1/22, the qualification requirements for Tier One Rewards will be changing. For further details, please refer to Visa Signature Changes.

  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 banking so you can set it and forget it.

Best Banks and Credit Unions for Mobile Banking of 2021 - Bankrate

"Best Banks and Credit Unions for Mobile Banking of 2022"

CNBC Best Credit Unions

"Best Credit Unions"

Forbes Best No Fee Credit Cards of 2022

"Best No Fee Credit Cards of 2022"

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

Learn more about your Visa Signature card benefits

No foreign transaction fee

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

Personal Identity Theft protection99

Personal Identity Theft provides reimbursement up to $5,000 for covered expenses you incur to restore your identity as a result of a covered stolen identity event. For more information, refer to the Visa® Your Guide to Benefit: Personal Identify Theft.

Purchase Security100

Purchase Security protects new retail purchases made with your eligible Visa Signature card and/or rewards program associated with your covered Signature account within the first ninety (90) days from the date of purchase. For more information, refer to the Visa® Your Guide to Benefit: Purchase Security.

Travel Accident Insurance101

As a Visa Signature cardholder, you and your dependents* become covered automatically when the entire Common Carrier fare is charged to your covered Visa Signature card account. For more information, refer to the Visa® Your Guide to Benefit: Travel Accident Insurance.

Auto Rental Collision Damage Waiver98

Auto Rental Collision Damage Waiver (ARCDW) eliminates the need to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles—saving you money on insurance costs. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Alliant Visa Signature card to secure transactions. Please refer to your Visa® Guide to Benefits for more information.

Roadside Dispatch

Roadside Dispatch provides you with 24-hour access to roadside assistance via a toll-free number. This pay-per-use roadside assistance program is provided expressly for Visa cardholders. Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for more information.

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

Extended Warranty Protection102

When you use your covered Visa Signature® card for your eligible purchases Extended Warranty Protection will double the term of your eligible U.S. manufacturer’s warranty up to 1 additional year on eligible warranties of 3 years or less; for warranties of less than 1 year, the term is doubled; for warranties of one year or more an additional year of coverage is provided. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Signature® to secure transactions. For complete terms and conditions, contact your issuer for a copy of your Guide to Benefits.

Greater Security

All Alliant Visa® credit cards come equipped with EMV chip technology. Enjoy global acceptance and enhanced security when you use your credit card domestically and internationally at merchants with terminals that are chip enabled.

In addition to the EMV chip, Alliant credit cards will retain their magnetic stripe, giving you ultimate payment flexibility around the globe. Learn more.

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 14-21 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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