Alliant Credit Union Credit Card – Everything You Need to Know

Having the right credit card comes as a plus to many people who make purchases regularly. The only problem is “Which card will you go for?”.
Alliant Credit Union Credit Card

Yes, this question stands tall as there are numerous credit card options available out there. Fear not for this is where we come in with amazing Credit Card options we have so taken the liberty to review.

Read on to learn more about the Alliant Credit Union Credit Card.

Alliant Credit Union Credit Card Overview

The Alliant Credit Card isn’t as well-known as other rewards cards, despite having one of the highest flat rates available. This could be the case because using the credit union rewards card necessitates joining Alliant Credit Union.

The card is a good option if you occasionally need to carry a balance because, in addition to having a high flat rewards rate, its variable APR range outperforms many of the top rewards cards.

The Alliant Credit Card has a few shortcomings that make it less desirable than competing cards, even with these excellent advantages. In comparison to other cards that have no annual charge, this one has less short-term value because it doesn’t have an intro APR offer or sign-up bonus.

To qualify for the highest rate on the card, there are a few further requirements that must be fulfilled. Especially if you can qualify for another card with a better flat rate and more amenities, this can be more work than you want to do.

Everything you need to know about the Alliant Credit Card is provided right here in this article.

Alliant Credit Union Credit Card Rewards

  • With a qualifying Tier One Reward status every quarter, earn 2.5 percent cash back on all purchases (up to $10,000 in qualifying transactions per billing cycle, after which 1.5 percent)
  • Infinite 1.5 percent cash back when enrolled in Tier Two Rewards

What Are The Rates And Fees on Alliant Credit Union Credit Card?

  • No annual fee
  • No over-limit fee
  • Late fee up to $27
  • No foreign transaction fee
  • Return payment fee up to $27
  • 3 percent balance transfer fee
  • 99 percent to 26.99 percent (variable) APR
  • 3 percent cash advance fee (or $10, whichever is greater)

What Are The Benefits of Alliant Credit Union Credit Card?

  • Roadside dispatch
  • Purchase protection
  • Identity theft protection
  • Travel accident insurance
  • Extended warranty protection
  • Auto rental collision damage waiver
  • Technology using EMV chips for increased security

Pros And Cons of Alliant Credit Union Credit Card


  • One of the best flat cash back rates available is offered by this card.
  • The card has no yearly fee, so carrying it around doesn’t cost more.
  • This card is a fantastic option if you occasionally carry a load because of its variable APR, which is relatively low.


  • You will need to fulfill a lot more requirements than you would with a regular credit card in order to be eligible for the card and the best rate.
  • Compared to cards with low or no redemption minimums, this card has a $50 minimum cash-back redemption requirement, which makes it more difficult to redeem your earnings.
  • There are no introductory APR deals or cash sign-up bonuses for this card.

Why Should I Consider The Alliant Credit Union Credit Card?

Among the best flat-rate cash-back credit cards available is the Alliant Credit Card, which combines a competitive interest rate with a greater rewards percentage for all purchases. Its numerous advantages also safeguard your vacation, purchases, and other endeavors.

Who is The Alliant Credit Union Credit Card For?

Not everyone should have the Alliant Credit card, but if you fit any of the following descriptions, it might be the greatest addition to your wallet.

Cash back connoisseurs

This card would be a perfect choice if you’re a seasoned rewards earner and want to stock your wallet with specific cash back or reward cards that will facilitate the execution of your plan. In addition to the other cash back cards you now own, you can receive a cash back boost when you qualify for Tier One since you can earn significant rewards.

Flat-rate fans

This card would probably be suitable for you if you would rather have a flat-rate cash back card with an intuitive reward scheme than a tiered or rotating category reward card. After verifying your tier, you wouldn’t have to worry about different reward rates or spending categories. The only downside would be monitoring your spending if you Qualify for Tier One so you’ll know when you’ve surpassed your spending limit.

How to Redeem Your Alliant Credit Union Credit Card Rewards

You may redeem your cash back by doing the following once you have accrued at least $50 in cash rewards:

  • Accessing your Alliant Online Banking portal
  • Choosing your account for the “Credit card”
  • Selecting “Manage Account”
  • Selecting “Alliant Cashback” to be deposited directly into your savings or checking account at Alliant Credit Union or as a credit to your bill to be applied to your rewards account

Cash back that is directly deposited will reach you sooner, up to five business days. But if you choose a statement credit, it can take up to two billing cycles before your rewards show up. Above all, remember to use your cash back within four calendar years of earning it; otherwise, it will expire on the date of the fourth December billing cycle. Your 2024 cash back, for instance, would run out in December 2028.

How to Apply For an Alliant Credit Union Credit Card

Are you interested and wish to have one of these cards? If so then follow the below steps:


We’ve come to the end of this review, Alliant Credit Union Credit Card is a great option for you if you’re cash back connoisseurs or a Flat-rate fan.

Above All compare other credit card options before choosing so you can make an informed decision you won’t regret.

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