Visa Signature Card | Alliant Credit Union

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Visa® Signature Card

Your Unlimited 

Cashback Card 

Earn 3% cash back in the first year with the 

Alliant Cashback Visa® Signature Credit Card 

Apply Online

or   Call 800-328-1935 

The Run Down

• Exclusively designed for those 

• A true cashback card: 3% cash back 

spending $50,000+ a year on their 

in year one & 2.5% cash back after

84

card

• No limit to the cash back awards you 

• Rates as low as 11.24%APR

83

can earn

8 4

• No foreign transaction fees

83

• Generous credit line.

• $59 annual fee, waived the first 

• Works with Android Pay™, Apple 

year

83

Pay™ and Samsung Pay™

38

•

 See how our other benefits compare 

• $0 fraud liability guarantee  from 

37

with the competition.

Visa

Earn 1.16% APY on your savings!

Grow your savings faster with Alliant's 

higher savings rate.

Learn more now 

http://www.alliantcreditunion.org/bank/visa-signature-card

10/23/2017

Visa Signature Card | Alliant Credit Union

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FEATURES

FEES

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"Best Rewards Credit Cards of 2017" - 

"Best Credit Union Cash Back Card of 

Kiplinger

2017" - CardRates

See How Much You'll Earn With Your Alliant 
Visa Signature Credit Card

Use the slider below to see how quickly your 

3% cash back adds up 

H O W   M U C H   D O   Y O U   S P E N D   P E R   M O N T H ?

T O T A L   C A S H   B A C K   I N   T H E   F I R S T   Y E A R

$3.5K 

$4K 

$4.5K 

$5K 

$5.5K 

$6K 

$

1,260

Total spend in the first year: $42 K

Total spend per month: $3.50 K

R E A D Y   T O   U P G R A D E   Y O U R   C A R D ?   C A L L   8 0 0 - 3 2 8 - 1 9 3 5 .

Alliant Visa Signature Credit Card Benefits

Smart travel perks

Say adios to foreign transaction fees and 

bonjour to great credit card benefits when you 

travel.

Benefits include: Emergency card replacement, 

emergency cash disbursement, travel accident 

insurance and concierge services. Alliant also 

offers travel alerts to protect you from fraud.

http://www.alliantcreditunion.org/bank/visa-signature-card

10/23/2017

Visa Signature Card | Alliant Credit Union

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FEATURES

Automatic payments
FAQS

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Initiate credit card payments from either your 

Alliant account or your account at another 

financial institution. To help you budget, you can 

designate the amount that you want to pay per 

month automatically. 

To take advantage of this free service, simply 

select this payment method when you apply for 

your Alliant Cashback Visa Signature Credit 

Card. You can change your payment method at 

any time.

Greater Security with the Alliant Visa Signature Card

Zero liability on 

fraudulent charges

As one of your credit card 

benefits, you won’t pay for 

unauthorized charges on 

your Alliant Visa Signature 

card.

Protect your purchases 

Rental cars with built-

better

in coverage 

Take advantage of Personal 

 The card automatically 

Identity Theft Protection for 

includes both Auto Rental 

covered expenses and 

Double Warranty Coverage, 

effectively doubling 

manufacturer warranties.  

Collision Damage 

Waiver (ARCDW) and 

Roadside Dispatch. ARCDW 

eliminates your need to pay 

for a collision damage 

waiver when you rent most 

cars. Meanwhile, Roadside 

Dispatch provides you with 

24-hour access to pay-per-

use roadside assistance.  

Compare Cashback Credit Card Benefits

Alliant Cashback Visa 
Signature

Chase Freedom 
Unlimited

AmEx Blue Cash 
Preferred

Discover It

Citi Double Cash

3% in first year , 

2.5% after on ALL 

purchases

3% back at gas 

stations and 

1.5% cash back on 

department stores 

all purchases

up to $6K/year. 

Then, 1% back on 

all else.

5% on rotating 

1% back on 

categories, 1% on 

purchases and 1% 

all other purchases

back on payments

11.24-24.24%

83

14.24-23.24%

13.24-23.24%

11.24-23.24%

13.24-23.24%

Earning

Pur APR

Annual Fee

$59 (waived in 

$0

$95

$0

$0

first year)

http://www.alliantcreditunion.org/bank/visa-signature-card

10/23/2017

Visa Signature Card | Alliant Credit Union

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FEATURES

FEES

Foreign Transaction 

Fee

BT Fee

Incentives

Other Benefits

Alliant Cashback Visa 
Signature

REVIEWS

FAQS

Chase Freedom 
Unlimited

AmEx Blue Cash 
Preferred

Already a member?
Discover It

Apply Online
Citi Double Cash

0%

3%

3%

5%

2.70%

3%

0%

3%

3%

3%

3% cashback on 

$150 bonus when 

all purchases in 

you spend $500 in 

first year

first 3mos

Travel Accident 

Insurance, 

Purchase 

Security, 

Personal Identity 

Theft, Concierge

Amazon shop with 

points

0% for 12 mos/

$250 cashback 

with $1k spend in 

3mos

Roadside 

assistance, travel 

accident 

insurance, global 

assist hotline, car 

rental loss and 

damage insurance

0% for 12mos on 

0% for 18mos on 

purchases and 

purchases and 

balance transfers

balance transfers

NA

NA

C A L L   8 0 0 - 3 2 8 - 1 9 3 5   T O   U P G R A D E   Y O U R   C A R D   T O D A Y !

Visa Signature Credit Card Fees

Annual Fee

Over Limit

Late Payment

Return Payment

Cash Advance

Balance Transfer

Foreign Transaction

$59, WAIVED FOR THE FIRST 

YEAR

FREE

UP TO $25

FREE

EITHER $10 OR 2% OF THE 

AMOUNT OF EACH CASH 

ADVANCE, WHICHEVER IS 

GREATER.

3% OF THE AMOUNT OF EACH 

TRANSFER.

FREE

Visa Signature Credit Card FAQs

http://www.alliantcreditunion.org/bank/visa-signature-card

10/23/2017

Visa Signature Card | Alliant Credit Union

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How often does my APR (Annual Percentage Rate) 

Can I transfer balances from my other credit cards?

FEATURES

change?

FEES

FAQS

REVIEWS

Absolutely. We make it easy to transfer balances 

Already a member?

Apply Online

The APR on new purchases and balance transfers 

from your other credit cards so you can save 

can increase or decrease quarterly. The rate is 

money with Alliant's low interest rates. You can 

determined by adding the highest U.S. Prime Rate 

transfer a balance when you apply for a card or 

published in The Wall Street Journal during the 

transfer a balance after you've been approved to 

last two business days of the previous quarter, 

any Alliant credit card. 

plus a margin of 5.99% to 17.99%.

What is an authorized user on my credit card?

How do I enroll in the Rewards or Cashback Program?

Not to worry! All Alliant credit card holders are 

An authorized user is someone who has been 

automatically enrolled in the their applicable 

given access to use and make purchases on 

rewards program. 

When will my Annual Fee be charged?

Your annual fee will be charged one year after 

opening your card and, then, every year following. 

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. Learn more or speak to your Loan 

Consultant for additional details.

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, adding one in online banking, or in the 

Alliant Loan Application.

Are there any fees associated with my Visa Signature 

Credit Card?

If a payment is made late, a $25 late payment fee 

is assessed. At times, we offer special offers with 

promotional balance transfer rates that may or may 

not have a fee. The Alliant Cashback Visa 

Signature Card has an annual fee of $59 (waived 

for the first year) and a 3% balance transfer fee. 

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 

7-10 days to receive your new credit card in the 

mail.

Have a Question?

Want to know more about this product? Search our friendly help guide!

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Visa® Signature Card Reviews

Overall Rating for Visa® Signature Card

Write a Review

http://www.alliantcreditunion.org/bank/visa-signature-card

10/23/2017

Visa Signature Card | Alliant Credit Union

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100% found this helpful 

Hard to beat for people who charge alot
By zz

If you spend on average $4,000 a month this card works out to ($48,000*0.025) 

= $1,200 -$59 = $1,141 cash back which is equivalent to $1,141/$48,000 = 

2.38% cash back which beats anything else out there. Of course the 1st year is 

even better when you get 3% back in full as there is no yearly charge. To justify 

the yearly $59 charge you need to average $1,000 a month ($12,000 per year), 

which when calculated like above would result in a 2.01% cash back. Seeing as 

other cards exist at 2% cash back (though they do charge foreign transaction 

fees), if you charge less than $1,000 per month, other cards may be better. 

Posted August 13, 2017

Did you find this review helpful? 

You've already voted for this rating.

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10/23/2017

Visa Signature Card | Alliant Credit Union

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 800-328-1935   |   Routing #271081528 

11545 West Touhy Avenue, Chicago, IL 60666 

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84. Alliant Cashback Visa Signature Card Program Terms & Conditions (PDF)

83. Loan approval and APR based on creditworthiness, payment method and ability to repay. 

Rates, terms, and conditions are subject to change. APR=Annual Percentage Rate.

Alliant Cashback Visa® Signature Card Agreement (PDF)

Alliant Cashback Visa® Signature Card Disclosure (PDF)

37. Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM 

transactions, PIN transactions not processed by Visa, or certain commercial card transactions. 

Cardholder must notify issuer promptly of any unauthorized use. For more information, visit the 

Visa website.

38. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and 

other countries. Apple Pay is a trademark of Apple Inc; Android Pay is a trademark of Google 

Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD. 

http://www.alliantcreditunion.org/bank/visa-signature-card

10/23/2017