Best Alliant Credit Cards

of June 2024

Best Alliant Credit Cards

In This Article

Alliant offers two fantastic credit cards that cater to your wide range of enticing options, each catering to different needs. Making an informed decision is key. Whether you seek cash-back rewards, low APRs for debt management, or points for exciting redemptions, these cards hold the potential to transform your financial landscape. So, read through the qualities of each of the best Alliant credit cards and embrace the card that has the potential to pave your way to a brighter and more rewarding future. 

Just so you know, to access any of these cards, sign up as a member of Alliant Credit Union, and embark on a journey to financial freedom.

1. Alliant Visa Signature Credit Card

2.  Alliant Credit  Visa Platinum Credit Card

Overview of the Best Alliant Credit Cards

How to Choose the Best Alliant Credit Cards

Pros and Cons of the Best Alliant Credit Cards

Pro Tips

Recap

1. Alliant Visa Signature Credit Card

Alliant Visa Signature Credit Card

If you’re a savvy spender who loves earning cash back, this card is tailor-made for you! With up to 2.5% cash back on all purchases, and no categories to worry about, you’ll be reaping rewards on every dollar you spend. The best part? No cap on cash back for the first $10,000 in purchases each billing cycle with qualifying accounts! And that’s not all – enjoy the added perks of no annual fee, no foreign transaction fee, and a generous credit line. Just bear in mind that to unlock the full potential of this card, you’ll need excellent credit and an Alliant high-rate checking account. So, prepare yourself for a rewarding financial experience with the Alliant Visa Signature Credit Card!

Pros

  • Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts
  • Pay no annual fee and no foreign transaction fee,
  • Enjoy a generous credit line
  • Experience a near-unbeatable 2.5% cash back rate on up to $10,000 in monthly purchases for eligible accounts, which then reverts to 1.5%.
  • Benefit from $0 fraud liability guarantee
  • Seamlessly use Google Pay™, Apple Pay™, and Samsung Pay™ for easy and secure transactions.
  • Say goodbye to monthly service fees with this card.

Cons

  • Requires a companion checking account with a balance
  • Requires direct deposit and e-statement requirements,
  • Receive no welcome bonus
  • Pay a regular APR of 17.24% – 27.24% variable
  • Earn unlimited cash back with no need to track categories.
  • Earn up to 2.5% cash back on your initial $10,000 of qualifying eligible purchases (1.5% for purchases exceeding $10,000).
  • Earn 0.25% APY19 on your balance, which is 2.0 times the national average.
  • Receive ATM fee rebates of up to $20 per month.

2. Alliant Visa Platinum Credit Card

Truist Enjoy Beyond Credit Card

Need a smart solution to tackle debt or finance a major purchase? Look no further than the Alliant Visa Platinum Credit Card! With a low introductory APR of 0% for 12 months on purchases and balance transfers, you can seize control of your finances and save on interest charges. Plus, the competitive APR. The icing on the cake? A wallet-friendly balance transfer fee of just 2%, sets it apart from other cards in the market. Say goodbye to annual fees and foreign transaction charges as well. Keep in mind, the 0% APR is subject to creditworthiness, so make sure to be in good standing to make the most of this fantastic card.

Pros

  • Get as low as 0% APR for 12 months on purchases and balance transfers, and then a variable APR of 15.24%-27.24%
  • Get a balance transfer fee of only 2%, which is lower than most other cards
  • Pay no annual fee and no foreign transaction fee
  • Seamlessly integrate with Google Pay™, Apple Pay™, and Samsung Pay™, simplifying payment options and adding convenience to your transactions.

Cons

  • Does not guarantee the 0% APR. It all depends on your creditworthiness.
  • Gives no rewards program and no welcome bonus.
  • Requires that you be a member of Alliant Credit Union to apply for this card.
  • Enjoy an introductory rate as low as 0% for 12 months on purchases and balance transfers.
  • Get a low standard variable rate ranging from 15.24%–27.24%, after the introductory period, which can help you save on interest charges in the long run.
  • Pay no annual fee, making it easier on your wallet.
  • Optimize your financial strategy by utilizing this card for balance transfers, consolidating debts from high-interest cards into a single payment.
  • Benefit from a $0 fraud liability guarantee to ensure your card remains secure.
  • Get access to generous credit lines for added financial flexibility.
  • Experience enhanced security with the EMV chip technology.

Overview of the Best Alliant Credit Cards

The ‘Best Alliant Credit Cards’ offer a range of attractive features, rewards, and rates to suit diverse financial needs. The Alliant Cashback Visa Signature Credit Card caters to your needs as a high spender with up to 2.5% cash back on all purchases and no annual or foreign transaction fees. The Alliant Visa Platinum Credit Card provides a low introductory APR of 0% for 12 months on purchases and balance transfers, making it ideal for managing debt or financing big purchases.

How to Choose the Best Alliant Credit Cards

To make the best choice between the ‘Best Alliant Credit Cards, consider your spending habits, credit score, and financial goals. If you want cash back on every purchase and have excellent credit, go for the Alliant  Visa Signature Credit Card. For consolidating debt or major purchases, the Alliant Visa Platinum Credit Card offers a low introductory APR. Compare fees, benefits, and introductory offers to find the card that suits your needs best.

How to Choose the Best Alliant Credit Cards

Pros and Cons of the Best Alliant Credit Cards

  • Offer reasonable rewards rates, that range from 2% to 2.5% cash back or 2 points per dollar you spend on all purchases
  • Have no annual fees and no foreign transaction fees
  • Have low balance transfer fees of only 2%, which is less which can save you money and trouble if you use your card abroad.
  • Give an introductory 0% APR on purchases and bill transfers for a year. 
  • Come with a variety of benefits and features, such as protection against identity theft, roadside assistance, an EMV chip, connection with Google Pay, Apple Pay, and Samsung Pay, and flexible payment choices.
  • Require you to have good to excellent credit and be a member of Alliant Credit Union to apply, which may limit your eligibility and access.
  • Have high regular APRs, ranging from 14.99% to 27.24% variable. This can cost you if you keep a balance or do not pay on time.
  • Have no welcome bonuses, except for the Alliant Credit Union Visa Platinum Rewards Card, which offers a modest 5,000 points after spending $500 in the first 90 days.
  • Have limited reward categories, which may not suit your spending habits or preferences. 

Pro Tips

  • Analyze Your Spending Habits: Review your spending patterns to determine which card aligns best with your lifestyle. If you’re a frequent spender, the Alliant Cashback Visa Signature Credit Card might be the top choice, while the Alliant Visa Platinum Credit Card suits those looking to manage debt or make a big purchase.
  • Check Your Credit Score: Ensure your credit score meets the requirements for the card you’re interested in. The Alliant Visa Signature Credit Card and Alliant Credit Union Visa Platinum Card typically require good to excellent credit.
  • Consider Membership Eligibility: Verify that you are eligible for Alliant Credit Union membership before applying. This will impact your options, especially if you’re interested in the Alliant Visa Platinum Credit Card or Alliant Credit Union Visa Platinum Rewards Card.
  • Focus on Financial Goals: Keep your financial goals in mind when selecting a card. If your priority is earning rewards points for future redemption, opt for the Alliant Credit Union Visa Platinum Rewards Card. If minimizing interest charges is crucial, the Alliant Visa Platinum Credit Card might be the better choice.
  • Evaluate Introductory Offers: Look closely at the introductory offers, such as 0% APR and cashback rates. Understand how long the promotional rates last and how they transition into the standard APR or cash-back rates.
  • Compare Charges: Compare annual fees, foreign transaction fees, and balance transfer fees (if applicable) among the cards. Aim for a card with minimal fees, that suits your spending and travelling habits.
  • Explore Additional Benefits: Look beyond the core features and explore additional benefits the cards offer, such as travel perks, purchase protections, or concierge services. These extras can enhance the overall value of the card.
  • Read Cardholder Reviews: Research cardholder reviews and experiences to gain insights into customer satisfaction and any potential issues that may arise.
  • Contact Customer Service: If you have any doubts or need further clarification, don’t hesitate to reach out to Alliant Credit Union’s customer service. They can provide valuable information to assist in your decision-making.
  • Understand Terms and Conditions: Before finalizing your choice, read and understand the terms and conditions of the card, to avoid any surprises or misunderstandings in the future.

Recap

When considering the finest Alliant credit cards, two notable options effectively cater to your distinct requirements. If you have a penchant for spending and are on the lookout for lucrative cash-back rewards, the Alliant Visa Signature Credit Card is a highly enticing option to explore. If your primary objective is to concentrate on debt consolidation or finance a significant purchase, then the Alliant Visa Platinum Credit Card is your perfect solution.

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