Buy what you want & get rewarded for

it

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FEATURES

RATES

FEES

FAQS

REVIEWS

Apply Online

The Run Down

As low as 0% introductory rate  for 12 months on purchases and balance transfers (After the
introductory period, a low standard variable rate applies ranging from 14.24%–24.24%)

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Plus, earn 5,000 bonus points with qualifying spend

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Earn two reward points for every dollar spent

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No balance transfer fee (unless associated with a promotional offer)

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$0 fraud liability guarantee  from Visa

37

Generous credit line

EMV chip for enhanced security

Works with Android Pay

TM

, Apple Pay

TM

 and Samsung Pay

TM 38

No annual fees

51

Rates

0 

Earn 1.16% APY on your savings!

Grow your savings faster with Alliant's higher savings rate.

Learn more now 

"Best No-Fee Credit Union 2016" - MyBankTracker

"Best Credit Unions 2017" - NerdWallet

% APRIntroductory Rate 
"9 Best 0% APR Credit Card Offer" - Magnify Money

So many ways to reward yourself

The Alliant Visa® Platinum Rewards Credit Card gives you double reward points for every dollar you spend,

with no limit to the points you can earn.

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 Plus, you can earn additional points through exclusive online and in-
store offers from top retailers.

Points can be redeemed for cash back, travel, gift cards, merchandise and much more. Redeem your points for
a variety of reward options to help you live your life to the fullest including:

Travel: Plane tickets, cruises, car rentals and hotel stays.

Merchandise: Electronics, appliances and sports equipment.

Cash back: Cash back and gift cards.

Charity: Feeling generous? You can also donate your rewards to a worthy cause.

You can preview or redeem rewards by visiting the Alliant Rewards Catalog or ﬁnd more details in our Rewards
Program Brochure.

Alliant rewards

With the Alliant Visa® Platinum Rewards Credit Card, you'll be included in the Alliant Rewards
Program where you can earn reward points for every dollar you spend. Plus, you can earn additional
points through exclusive online and in-store offers from top retailers. There is no limit to the number
of points you can earn. Points can be redeemed for cash back, travel, gift cards, merchandise and
much more. 

Visit Select Your Rewards to see offers that can earn you additional points from top online and in-
store retailers.

$0 liability on fraudulent charges

With the Alliant Credit Union Visa creditcard $0 liability feature, you never pay for unauthorized
charges on your credit card.

See our Security Center to learn more why you're safe with Alliant.

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 the magnetic stripe giving you the
ultimate payment ﬂexibility around the globe. Learn more about EMV chip security.

Auto Rental Collision Damage Waiver

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. Learn more.

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. Learn
more.

Android Pay, Apple Pay and Samsung Pay

Join your chosen mobile payment platform to make quick and secure payments with your Alliant
Credit Union Visa® credit card. Plus, all mobile payments made with Android Pay, Apple Pay and
Samsung Pay have the same beneﬁts of your Alliant Visa credit® card. Learn more.

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Visa® Platinum Rewards Card Rates

0 

Introductory Rate

Low introductory and standard rates Introductory rates as low as 0% apply for 12 months on purchases and balance

transfers after account opening. After the introductory period, a low standard variable rate applies ranging from 14.24%–

24.24%.

Let Me Know When Alliant Rates Gets Even Better

email@address.com

SUBMIT

Visa Platinum Rewards Credit Card Fees

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Priority mail services for distribution of Visa® credit cards,
checks, Visa® Debit Card, Convenience

PRICES START AT $18

Visa® Credit Card (Platinum and Platinum Rewards)

Visa® Credit Card Annual Fee (Platinum and Platinum
Rewards)

FREE

FREE

% APRVisa® Credit Card Balance Transfer (Platinum and Platinum
Rewards)

FREE (UNLESS ASSOCIATED

WITH A PROMOTIONAL OFFER)

Visa Platinum Rewards Credit Card FAQs

Do you have introductory rates? How does that work?

We offer some of the lowest rates available. Your rate is based in part on your credit score and can be as
low as 0% for 12 billing cycles. After this promotional period ends your standard APR will apply to all new
purchases and balance transfers and all unpaid balances.

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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.

Where can I call to make a credit card payment?

You can make a credit card payment any time by making a transfer through your Alliant Online Banking
Account, signing up for Bill Pay, or by calling us at 800-328-1935 (24/7).

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.

Can I use my Alliant credit card(s) with Apple Pay™?

Yes. You can absolutely make payments using your Apple iPhone 6 and your Alliant Visa® credit card.
With a simple touch of the screen, your payment can instantly be made. All payments made with Apple
Pay still come with the same beneﬁts of your Alliant Visa credit card. Enroll today.

What are the benefits of having an Alliant credit card?

As an Alliant member, having a Platinum or Platinum Rewards Visa® from Alliant makes smart ﬁnancial
sense. Our Visa credit card options give you the purchasing power you deserve, while saving you money
over higher interest rate cards with every statement. We offer a great interest rate, too. 

There are charges on my credit card I don’t recognize. What do I do?

Please call the number on the back of your credit card at your earliest convenience. Alternatively, you
can dispute the charges online through Alliant Online Banking. Select Options located next to your
Alliant Visa Credit Card Account Summary.

How do I report a lost or stolen debit card or credit card?

If your card is lost or stolen, please call us at 800-328-1935 (24/7). For international callers, please
contact us at 773-462-2000 (24/7).

What fees do you charge on your credit cards?

Unlike other credit cards, the only fee we charge is for a late payment, which is $25.

Can I transfer balances from my other credit cards?

Can I transfer balances from my other credit cards?

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 for a card or transfer a balance
after you've been approved to any Alliant credit card. 

How can I increase my card limit?

Please contact an Alliant representative at 800-328-1935 to discuss increasing your credit card limit.

How do I make the most of my rewards?

You can choose from either a Platinum or Platinum Rewards credit card that’s best suited to your
purchasing needs. You’ll enjoy the same features and beneﬁts with either card, but with Platinum
Rewards you’ll earn bonus points for every dollar you spend on the card. Rewards bonus points can be
redeemed for valuable merchandise, travel, and more.

Can I get Visa Purchase Alerts?

Yes, you can get alerts for transactions in real-time and immediately identify potentially fraudulent
activity. You can adjust your alerts to what makes sense for you and receive them via SMS text or email.
Choose triggers for your alerts like reaching a purchase amount threshold, international purchases,
purchases made on the internet or over the phone. Learn more and sign up
at www.visa.com/purchasealerts

Have a Question?
Want to know more about this product? Search our friendly help guide!

Enter Your Question

FIND ANSWER

Visa® Platinum Rewards Card Reviews

Overall Rating for Visa® Platinum Rewards Card

Write a Review

100% found this helpful

By m.kidirov1987

Posted August 22, 2017
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100% found this helpful

Best card for tackling debt!
By Colten

I applied for this card because I'm taking control of my debt. I didn't qualify for a zero percent interest for
my balance transfers, but i received 5.99. Certainly better than paying 18% interest on my other cards,
With zero transfer fee! Wonderful starting limit too! Thank you Alliant for helping me take control!

Posted June 26, 2017
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0% found this helpful

Upgraded card is one of the best all-round cards
By Akash

This is a great all-round card now. 2% rewards per dollar spent, 1% foreign transaction fees (as charged
by Visa), no annual fees make it a solid option.

Posted April 29, 2017
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100% found this helpful

Had no idea reward points were offered
By nancy caldario

I had no idea about this program at all. No info provided regarding how points are earned or redeemed.
Do they expire after a certain period of time? I like Alliant but ﬁnd that they do not do a good job
promoting or providing information regarding the Reward Points program.

Posted April 29, 2017
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100% found this helpful

SubPar Rewards
By Eugene R

While I like Alliant CU products, their credit card is not one of the products I enjoy. When compared to its
competitors (Pentagon FCU, etc..) the Visa rewards are very limited (no option for higher rewards

earnings, cash back options, etc). That combined with average APR, the Visa product leaves a lot to be

desired.

Posted November 23, 2016
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100% found this helpful

Waste of time
By T. Gemelli

I just got my card but received no information on the program, after calling customer service they have
no idea of the bonuses I was promised when I signed up. Additionally I had long customer service wait
times on the phone and I found out I need to wait three additional months before I can get the bonus
points that I earned. Not worth my time. Cancel

Posted May 25, 2016
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100% found this helpful

special bonus offer
By gary

I would have given this 5 stars if it had not been for some bad info i received. I signed up for the 50,000
point bonus, met the requirement by the ﬁrst statement. I was not supposed to get the 0% for 12 months.
However, when the statement came up i only received 10,000 points and was showing 0% rate. I sent a
message to cs and was told that the 50,000 does not post until after 4 billing statements and that it states
that in the offer (it did not, it stated have 90 days to meet requirements) I then sent an email asking about
the 0% saying that my statement says 0% when is that valid till. I got a response saying that they need to
investigate as the offer i had has no 0% tie in. After 2 dys got a response that it was an error that i should
have gotten 50,000 points right away and that there is no 0% rate. Which is what I thought it was in the
ﬁrst place. Other than some bad information. the 50000 points was quickly able to be redeemed for cash.
Great sign up bonus (when properly put on). standard 1% card that can be cash back. They need to get
their CS folks to be better at responses. luckily the 2nd person i dealt with ﬁxed it or I'd be waiting 4

months for nothing and possibly charged interest if i didnt pay off in full believing i had 0% as it was on

my statement.

Posted March 22, 2016
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100% found this helpful

Poor
By John Lawlor

I rate this card to be very poor in rewards and service. When I switched to email billing, I never received
the email bill but was charged late fee and interest on a bill I never received. After a contentious and
prolonged debate with your agent, the fees were dropped. Currently I am out of state and my card was
denied on a purchase. When I called you I was told it was denied for security reasons and I needed to
call in every 3 weeks for access until I return home. When I do arrive home I am cancelling this card.

Posted March 18, 2016
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100% found this helpful

Promised Bonus Rewards Not Provided
By Jacob Pankowski

When i signed up for my card, I was promised 50,000 reward points if i spent $2500 within 90 days. I
easily met that commitment, but I have not yet received my reward points. I've made calls into the help
center, but so far the points are still not showing up. Not very happy. Editor Note: We appreciate your
feedback, Jacob and are working to ensure you get your 50,000 points, as promised. We're experiencing
a slight tech hiccup at the moment but it should be resolved shortly. So sorry for the inconvenience!

Posted March 15, 2016
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100% found this helpful

CRedit limit
By c

Ive hade this card 5 years and no credit limit increase nor did i qualify for upgrade never late, stingy
company

Posted March 14, 2016
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 800-328-1935   |   Routing #271081528 
11545 West Touhy Avenue, Chicago, IL 60666

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86. Alliant Visa Platinum Rewards Program Terms and Conditions

Alliant Visa Platinum Rewards Points Program Details

64. To earn the 5,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on
his/her Alliant Credit Union Platinum Rewards Visa credit card during the ﬁrst three billing cycles the account is opened.
Points will be awarded and posted to the account, if applicable, at the close of your fourth billing cycle. Introductory rate and
incentive offers, including bonus points, are not available to those members who in the previous six months have had (i) an
open Alliant Visa credit card account, or (ii) an outstanding balance on a closed Alliant Visa credit card account.

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. 

42. If you have established your Alliant membership online, the terms of the Electronic Signature and Consent to Conduct
Business Electronically (PDF) disclosure shall apply.

41. Fee schedule. Fees subject to change.

43. An Alliant checking account is required for use with Alliant Bill Pay. There are no fees to maintain a Bill Pay account.
However, if incurred, applicable fees such as a stop payment fee will apply. Please refer to the Alliant Fee Schedule for a
complete list of these type of fees.

51. 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.

Visa® Credit Card Agreement (PDF) 
Visa® Credit Card Disclosure (PDF)