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Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

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Valued Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

Hmm, I think I'd be interested.  It would take about $12k non-category spend per year for this card to beat a 2% cash back card.  I could get past that threshold by paying for my property tax with it.  I think they charge a 2.3% fee to use a CC to pay for property tax where I live, so it wouldn't make sense to use a 2% card, but with a 2.5% card it makes perfect sense, then the rest of year year would be all gravy at 2.5%.

 

I hope I get an invite.

Message 11 of 50
Community Leader
Super Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)


@Nixon wrote:
Define: Super Low?

LOL!!!


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 12 of 50
Super Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

That doesn't sound too low.

Low is more like 7 or under.
EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 13 of 50
Community Leader
Super Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

Any cardholders are eligible to upgrade to this card.

requirements are :

Low overal util
min score 680
min CL on current card, or able to get a cli up to is $10k

if you have these requirements already, and this card suits your needs, then you can call into lending and ask to be upgraded. Is it not a new acct. The acct number will change, but will still keep the same open date, since its an upgrade. Good luck to anyone wanting to try!Smiley Happy

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 14 of 50
Super Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

You got one, laur?
EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 15 of 50
Community Leader
Super Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)


@Nixon wrote:
You got one, laur?

not yet..lol

 

Ive only had my Plat for 4 months, $500 cl, and on recon.....But end of year...yea, Ill have the upgrade. LOL Smiley Wink


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 16 of 50
Valued Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

This seems to be the new way of earning loyalty: 2.5% in a walled garden (whether walled by membership like in USAA, AF, or both). It's an interesting tactic that may well prove more effective in longer term swipe fee generation than the current standard of offering a lump sum bonus.

Message 17 of 50
Valued Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)


@pizza1 wrote:
Any cardholders are eligible to upgrade to this card.

requirements are :

Low overal util
min score 680
min CL on current card, or able to get a cli up to is $10k

if you have these requirements already, and this card suits your needs, then you can call into lending and ask to be upgraded. Is it not a new acct. The acct number will change, but will still keep the same open date, since its an upgrade. Good luck to anyone wanting to try!Smiley Happy

Great info, thanks!

Message 18 of 50
Established Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

So if I upgrade now to get the 3%, can I then after a year downgrade back to the 1% card to avoid the annual fee?

Chris.

Message 19 of 50
Valued Contributor

Re: Alliant Cashback Visa Signature (3% Year One with no AF, 2.5% thereafter with $59 AF)

A very good alternative to those of us that do not qualify for USAA and their Limitless card. 


Message 20 of 50
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