The Offer
- Alliant is offering a sign up bonus of 25,000 points (worth $250) on their Visa Platinum Rewards card. The spending requirement is $3,000 within the first 90 days
Card Details
- No annual fee
- Card earns two rewards points on every dollar spent
- Valid until August 30th, 2019
Our Verdict
Alliant offer three credit cards: this card, a card that doesn’t offer rewards and a 3% cash back card(first year, then it drops to 2.5%). You’re limited to one card with Alliant, but you can product change between the cards.It’s made even better by the fact that you could at a later stage product change this card into the 3% card and still get that rate and the annual fee waived first year. Previously this $250 bonus has been available but targeted and now it’s publicly available. If you have any questions about Alliant please read this post first as they are most likely answered there.
Hat tip to US Credit Card Guide
Ridiculous…6 months from now, sorry we lost all your personal information in a cybersecurity incident.
I got the very same offer in email today (or actually, just an invitation to apply for the same terms on the same card, so no definite CL). I, too, have been a checking-only customer for a couple years, using it as a hub for various ACH
& bank-bonus activities.
Not really tempted by the offer b/c:
– 0% APR is not guaranteed, and I’m currently on 0% until late next year on an Amex BBC card.
– Post-promo APR won’t be lower than 11.24% – decent, but I already have better elsewhere
– Fee for BTs. I’ve gotten spoiled in recent years w/no-fee offers (BofA/Amex ED/NFCU)
– Reputation of low limits/difficult approvals
– It’s only $150 anyway
All that said, I might still have considered applying before the deadline of 12/6. After reading this, though, prolly not. 😎
D
Yah, it really feels a little insulting… I can’t recall ever having to get an actual employer letter for anything, although since I worked (at the time of my last mortgage app) for BigCorp, they may have called “TheWorkNumber” or whatever behind the scenes.
Just bought my post-divorce place at 48, and can only dream of being just $10k from completion, even if it is mathematically inevitable (should I live so long.) Someday, someday…
D
Might want to add [EXPIRED] to the post title now that its past the August 30, 2019 deadline.
Done, thanks
anybody have issues getting cashback on alliant through giftcard mall? the 3% card seems to have problems with not getting cashback on simon mall purchases, but im not sure if it affects the 2% card / signup bonus spending requirement
freelancers does not seem to be an option: https://www.alliantcreditunion.com/Applications/Eligibility/Employer
looks like theyve changed the criteria for signing up.
They just emailed me with the following offer “Spend $500 by August 31 and earn 2500 bonus points”. This is on the top of 2% I am already getting, so nice. It does say gift cards are excluded.
Thanks
This reminds me I need to cancel their 3%/2.5% card. I got it a few years back before they jacked up the annual fee.
be sure to cancel before the fee actually gets charged, they do not refund after the fee posts, even if you cancel the day after
I recently applied for this card with a $54k income and 10+ hard inquiries in every bureau and got approved. This one seems pretty easy to get.
Of course I missed out on the bonus.
mind sharing what Bureau(s) they pulled for you?
btw they pulled Transunion only for me in ks
did they ask for income and employment verification?
Is this the card where you’ll get turned down if you don’t have $100K in annual income?
Edit: Seems so, I found this online: Both of Alliant’s rewards cards are designed for people with “A+/A credit” who earn more than $100,000 per year and haven’t opened multiple accounts recently
No I was not even close when they gave it to me. FICO average was 720
Now that Citi benefits are going away, is this a better card when compared to double cash?
Correct. I flip-flop between this card and Double Cash, and will move 100% to ACU (this one, Alliant Credit Union) after Price Rewind dies.
Always endorse the underdog. Citi has reigned for far too long, and credit unions share their profits with their clients.