Alliant Cashback Visa Signature Credit Card (3% Cash Back First Year, 2.5% Thereafter, $59 AF Waived First Year)

There is no online application currently. Call (800) 328-1935 to apply.

Quick Summary

  • 3% cash back first year, 2.5% after that
  • $59 annual fee, waived the first year
  • No foreign transaction fees

Link to Terms and Conditions

Discussion

There is no signup bonus, but you can get this card without a hard pull if you are an existing cardholder of their Visa Platinum or Platinum Rewards card, as long as your credit limit is currently over $10,000.

3% cash back is great of course, but that’s only good for the first year. For year two and beyond, the break-even point compared to a 2% cash back card is $11,800 in annual spend.

Do remember that there is also the BankAmericard Travel Rewards card, which gives you 2.625% back if you can quality for Platinum Honors, which requires $100,000 on deposit with Bank of America and/or Merrill Edge.

HT: FatWallet Finance

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