Alliant Visa Platinum Rewards Credit Card Review (Another 2% Cash Back Card with No Annual Fee)

Alliant Visa Platinum Rewards Card Review

Application Link


  1. $50 sign-up bonus: Earn 5,000 points after you make at least $500 in purchases within the first 90 days. There are $350~$500 targeted offers occasionally.
  2. Earn 2x points on everything.
  3. The best way to redeem the points is to redeem for cash back at a 1 cent/point ratio, so the point here is basically equivalent to cash back.
  4. No annual fee.


  1. It has foreign transaction fee, so it's not a good choice outside the US.

How to Join Alliant Credit Union

In order to apply for an Alliant credit card, you have to join Alliant Credit Union first. There will not be a hard pull for joining the credit union. Actually everyone can join for free, and here is the easiest procedure:

  1. Click on “Become a Member” green button in the top right side of the Alliant web site.
  2. Click on “Another way to qualify” gray button twice until the Find Out If You Are Eligible header shows up.
  3. Select “Freelancers Union” radio button from the list of qualified organizations.
  4. Click on Continue green button, and finish the steps.

Alliant won’t verify the Freelancers Union information, but even if they verify, you can register one easily for free. HT: Reader Eduardo Baez from DoC.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.


This is another 2% cash back no annual fee card, similar to Citi Double Cash (DC) (MasterCard), Fidelity Rewards (Visa), and Synchrony PayPal Cashback (Mastercard). I prefer DC among these cards because you can get it from downgrading a card that has a huge sign-up bonus. This credit card has a relatively low sign-up bonus, so it’s better not to apply for it directly even if you want this card. The best way to get it is to apply for Alliant Visa Signature which gives you 3% cash back in the first year, and then downgrade it to this card. Of course, if you get a targeted offer with a few hundreds dollars, this card is definitely worth applying for!

Related Credit Cards

Historical Offers Chart

Application Link

Acknowledgement: DoC.

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