| Rewards | You earn 2 Alliant Rewards points for every $1 spent on qualifying new purchases. Not all spending qualifies: you don’t earn points on finance charges, fees, cash advances, balance transfers, ATM/cash-type transactions, or certain payment instruments. |
|---|---|
| Signup Bonus | 5,000 Alliant Rewards points after you spend $500 in qualifying purchases within your first three billing cycles. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 18.24% to 23.24%, based on creditworthiness. |
| Cash Advance Fee | Either $10 or 2% of the amount of each cash advance, whichever is greater |
| Late Payment Fee | Up to $25 per incident |
| Purchases APR | 17.99% to 27.99% variable, depending on creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Alliant Visa Platinum Rewards Credit Card is known for being a no-annual-fee rewards card that offers a straightforward 2 points per dollar on everyday purchases, plus a modest 5,000-point signup bonus for new cardholders. It doesn’t come with travel perks or luxury benefits, but it focuses on simple, predictable rewards.
Positive feedback
Most users say they like the flat, no-nonsense rewards rate, especially for a card with no annual fee. Many reviewers mentioned that redemptions are easy, and they appreciate having options like cash back, gift cards, and travel. Some also like that Alliant generally offers lower APRs than many mainstream issuers.
Negative feedback
Many reviewers mentioned that the rewards value isn’t as strong as top cashback cards, especially once you factor in point-conversion rates. Some users also complain about slow customer service responses and say the online dashboard feels dated. A few note that the signup bonus is on the smaller side.
Blogger’s opinion
Personally, I think this card is best for people who want simple, steady rewards without paying an annual fee. It’s a good “set-it-and-forget-it” option. But if you’re chasing high-value cashback, premium travel perks, or big intro bonuses, you’ll probably find better value elsewhere.
RATE THIS CREDIT CARD
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M
Great card for budget conscious shoppers
This card fits well with my low interest high reward strategy. I use it mainly for recurring bills, and the rewards post quickly. It's not a premium travel card, but for practical everyday expenses, I've found it surprisingly efficient and reliable. Definitely a good option for simple rewards
A
Excellent Rewards Card
I've been using this card for a few months, and I'm really happy with it. The points system is generous, I've already redeemed some for gift cards and travel discounts. The low interest rate makes it even better, and managing everything though the mobile app is simple. It's a perfect mix of rewards, convenience, and dependable customer service. Highly recommend for everyday spending!
