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Alliant Cashback Visa® Signature Credit Card pays 2.5% cash back on up to $10,000 a month

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https://www.alliantcreditunion.or...ature-card
The Alliant Cashback Visa Signature card has removed the annual fee (previously $59) and now offers 2.5% cash back on up to $10,000 in purchases a month ($120,000 a year) with no annual fee. Once the $10,000 per month limit is reached, additional purchases will earn 1.5% cash back.

In order to qualify for the Tier One (2.5%), credit union members must have an Alliant checking account, sign up for electronic statements, maintain a $1000 average balance in the checking account, and receive at least one electronic deposit per month. An electronic deposit is defined as a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution.

Alliant credit-union application [alliantcreditunion.org].

Alliant Cashback Visa Signature Credit Card application [alliantcreditunion.org]. (You can sign-up to become a member during the application).

Full terms of the offer here [alliantcreditunion.org].
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Created 07-15-2021 at 11:39 AM by CleverString959
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#2
Maintain $1000 AND a direct deposit every month? Ughhh just give me the 2.5% and leave me alone. If I was in the market for a high Cashback card, this would be a decent choice but not compelling enough when I already have a 2% card (which a lot do)
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#3
Quote from slkmaster2000 :
Maintain $1000 AND a direct deposit every month? Ughhh just give me the 2.5% and leave me alone. If I was in the market for a high Cashback card, this would be a decent choice but not compelling enough when I already have a 2% card (which a lot do)
Agreed, sounds like a lot of hoops to jump thru for an extra 0.5%. And a bunch of extra steps if you're not already a banking customer of theirs
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#4
Say you spend 2k a month on your cc and you already have a 2% card, this would only be a $120 a year, not bad but lots of effort like others have said

But if you spend 10k a month, $600 a year extra would be worth the effort I think.
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Last edited by bigbearballs July 18, 2021 at 12:56 PM.
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#5
Since it says electronic deposit and not direct deposit, I wonder if a scheduled automatic ACH transfer each month would suffice...
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#6
Yeah, I would definitely be more interested in this if it didn't require a monthly deposit. $1000 minimum in account isn't too terrible. Although it would be pretty easy to just set up like $5 per month of deposits every month.
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#7
Quote from samwathegreat :
Since it says electronic deposit and not direct deposit, I wonder if a scheduled automatic ACH transfer each month would suffice...
I just assumed an ACH would work, if it didn't then that would definitely suck.
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#8
Quote from bigbearballs :
Say you spend 2k a month on your cc and you already have a 2% card, this would only be a $120 a year, not bad but lots of effort like others have said

But if you spend 10k a month, $600 a year extra would be worth the effort I think.
Probably the best if you're a business owner with lots of monthly spend.
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#9
Quote from samwathegreat :
Since it says electronic deposit and not direct deposit, I wonder if a scheduled automatic ACH transfer each month would suffice...
Anyone have any info on that? Would be easy to do that
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#10
I have it. The email I got said it did not need to be a payroll ACH.

I set up a $10 monthly transfer in, but I will check if it suffices.

This is what it states on the deposit:


Qualify for Alliant High-Rate Checking
by signing up for eStatements and having one monthly electronic deposit. You can easily schedule automatic recurring deposits via online or mobile banking so you can set it and forget it.


Here are the terms:
https://ww2.alliantcreditunion.or...rsgWegxggo
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Last edited by sbessire July 18, 2021 at 05:05 PM.
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#11
Quote from slkmaster2000 :
Maintain $1000 AND a direct deposit every month? Ughhh just give me the 2.5% and leave me alone. If I was in the market for a high Cashback card, this would be a decent choice but not compelling enough when I already have a 2% card (which a lot do)
What 2% card do you have? Is it on every purchase? Not many out there. Thanks!
iwheela
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#12
Quote from iwheela :
What 2% card do you have? Is it on every purchase? Not many out there. Thanks!
iwheela
Yes every purchase. PayPal Mastercard. There's also Citi double cash, td bank, sofi money, fidelity, possibly others
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#13
Quote from sbessire :
I have it. The email I got said it did not need to be a payroll ACH.

I set up a $10 monthly transfer in, but I will check if it suffices.

This is what it states on the deposit:


Qualify for Alliant High-Rate Checking
by signing up for eStatements and having one monthly electronic deposit. You can easily schedule automatic recurring deposits via online or mobile banking so you can set it and forget it.


Here are the terms:
https://ww2.alliantcreditunion.or...rsgWegxggo
Mind posting back if it does indeed qualify? I'd like a confirmation before I go through the trouble of opening my own account. No foreign transaction fee makes this an excellent card to use abroad also!
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#14
Quote from bigbearballs :
Say you spend 2k a month on your cc and you already have a 2% card, this would only be a $120 a year, not bad but lots of effort like others have said

But if you spend 10k a month, $600 a year extra would be worth the effort I think.
If you're spending 10K a month why the fark would you care about $600???
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#15
Because it is $600 and the government doesn't send me free money.
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