Our illustration, not the card’s design
Alliant Credit Union credit card
Alliant Visa® Signature Credit Card with Cashback
Checked Nov 1, 2026Updated
- Annual fee
- No Annual FeeReceipt · Annual feeChecked Nov 1, 2026
Issuer's page · alliantcreditunion.org
“$0, No Annual Fee”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · alliantcreditunion.org
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $180 | $180 | |
| Typical spender | $450 | $450 | |
| Heavy spender | $990 | $990 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$180a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$450a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$990a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
Other cash back cards
- Capital One Spark CashCapital One+$55 a year
- Costco Anywhere Visa Card by CitiCiti+$55 a year
- Truist Business PremiumTruist−$150 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Visa Signature Luxury Hotel Collection: special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
- Visa Signature Concierge: assistance with travel planning, entertainment tickets and more.
- Visa Signature Rental Car Privileges: up to 25% off base rates on qualifying rentals from Avis and Budget when booked with the card.
- Roadside Dispatch: 24/7 roadside assistance via toll-free number; pay-per-use.
- Other: Up to $5,000
All 10 benefits
- Purchase protection: 90 days from purchase date
- Travel accident
- Extended warranty
- Rental car
- Roadside
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · alliantcreditunion.org “$0, No Annual Fee” |
|---|---|
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · alliantcreditunion.org “A fee of 3% of the balance transfer applies.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · alliantcreditunion.org “Either $10 or 3% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · alliantcreditunion.org “UP TO $27” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · alliantcreditunion.org “UP TO $27” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · alliantcreditunion.org The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0, No Annual Fee · alliantcreditunion.org, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: Free. · alliantcreditunion.org, since Oct 11, 2026