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forum thread Posted by CleverString959 • Jul 15, 2021
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forum thread Posted by CleverString959 • Jul 15, 2021

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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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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47 Comments

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Jul 18, 2021
2,942 Posts
Joined Jun 2016
Jul 18, 2021
slkmaster2000
Jul 18, 2021
2,942 Posts
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)
Jul 18, 2021
609 Posts
Joined Nov 2011
Jul 18, 2021
iDroid
Jul 18, 2021
609 Posts
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
Jul 18, 2021
7,928 Posts
Joined Jul 2006
Jul 18, 2021
bigbearballs
Jul 18, 2021
7,928 Posts
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.
Last edited by bigbearballs July 18, 2021 at 01:56 PM.
Jul 18, 2021
758 Posts
Joined Jun 2012
Jul 18, 2021
samwathegreat
Jul 18, 2021
758 Posts
Since it says electronic deposit and not direct deposit, I wonder if a scheduled automatic ACH transfer each month would suffice...
Jul 18, 2021
406 Posts
Joined Mar 2011
Jul 18, 2021
tigerflash18
Jul 18, 2021
406 Posts
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.
Jul 18, 2021
406 Posts
Joined Mar 2011
Jul 18, 2021
tigerflash18
Jul 18, 2021
406 Posts
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.
Jul 18, 2021
2,942 Posts
Joined Jun 2016
Jul 18, 2021
slkmaster2000
Jul 18, 2021
2,942 Posts
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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Jul 18, 2021
2,942 Posts
Joined Jun 2016
Jul 18, 2021
slkmaster2000
Jul 18, 2021
2,942 Posts
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
Jul 19, 2021
633 Posts
Joined Oct 2017
Jul 19, 2021
sbessire
Jul 19, 2021
633 Posts
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
Last edited by sbessire July 18, 2021 at 06:05 PM.
Jul 19, 2021
6,882 Posts
Joined Mar 2006
Jul 19, 2021
iwheela
Jul 19, 2021
6,882 Posts
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
2
Jul 19, 2021
2,942 Posts
Joined Jun 2016
Jul 19, 2021
slkmaster2000
Jul 19, 2021
2,942 Posts
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