Alliant Cashback Visa® Signature Credit Card
- Best for: Alliant members who want a no-fee Visa to carry abroad
- What Sets It Apart: A credit union Visa Signature that charges nothing on foreign purchases and can pay its rewards into Alliant savings
- Rewards: 1.5% cash back on eligible purchases, uncapped; redeem as a statement credit or a deposit to Alliant checking or savings
- Features: Visa Signature hotel perks and concierge; up to 25% off Avis and Budget base rates; extended warranty; purchase security; auto rental collision damage waiver; travel accident insurance
- Annual Fee: $0
- APR: 15.99% to 25.99% variable, depending on credit
- Cost: No foreign transaction fee; 3% balance transfer fee; cash advance fee of $10 or 3%, whichever is greater; late fee up to $27
- Eligibility: Alliant members of at least 90 days; anyone can apply to join
- Pros: No foreign transaction fee; no annual fee; extended warranty and purchase security
- Cons: 1.5% trails no-fee 2% cards; no welcome bonus or 0% intro APR; 90-day membership wait
Get the Alliant Cashback Visa® Signature Credit Card if you’re an Alliant member who wants a no-fee Visa for trips abroad, since it adds no foreign transaction fee to purchases there. At home, its flat 1.5% cash back earns less than no-fee cards paying 2%, so use one of those for everyday spending.
The Cashback Visa Signature is Alliant Credit Union’s flat-rate cash back card, with no annual fee and no spending categories to track. It’s open only to Alliant members of at least 90 days, though anyone can apply to join the credit union.
Key Features
- 1.5% cash back on eligible purchases with no cap, which comes to $180 on $12,000 a year
- Cash back paid as a statement credit or a deposit to Alliant checking or savings
- $0 annual fee, no foreign transaction fee, and a late fee of up to $27
- Variable interest rate (APR) of 15.99% to 25.99% on balances you carry, depending on your credit
- 3% fee on balance transfers, which can’t come from another Alliant card
Pros
- No fee added to purchases made outside the U.S.
- Extended warranty, purchase security, and rental car collision coverage
- Visa Signature hotel perks, concierge service, and up to 25% off Avis and Budget base rates
Cons
- No-fee cards paying a flat 2% return $240 on $12,000 a year, against this card’s $180
- No welcome bonus and no 0% intro APR
- A 90-day wait after joining Alliant before you can apply
- Cash back can’t go to an account at another bank
Alliant members who travel abroad get a Visa with no annual or foreign transaction fee, whose cash back can go straight into their Alliant account. Everyone else earns more at home from a no-fee cash back card paying 2% instead of 1.5%, and travelers who aren’t members get the same 1.5% with no foreign transaction fee from the Capital One Quicksilver.
Learn more about the Alliant Cashback Visa® Signature Credit Card or see how it compares to the best credit cards with no foreign transaction fees.
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