I love this card but I am still within the first year.
I haven't seen anything that my annual fee is changing. One of the main reasons to get this card was no annual fee the first year and a lower annual fee after.
If it does, I will try to product change to the other card rewards card at the end of the first year.
I don't think the limitless card was ever offered in my state.
Well the fact is the overwhelming absurd numbers of consumers don’t know credit card rewards in general.
Even here when that card was released there was a ZOMG response... and I think that was before the introduction of the BOFA relationship rewards.
I think ultimately one has to simply remain flexible with one’s portfolio and credit so when a better opportunity comes along you can pounce... and know that your GODLIKE! card (CSR for me) will change at some point and probably no longer be the best... or like this Alliant card, no longer really in the conversation.
Even here when that card was released there was a ZOMG response... and I think that was before the introduction of the BOFA relationship rewards.
I think ultimately one has to simply remain flexible with one’s portfolio and credit so when a better opportunity comes along you can pounce... and know that your GODLIKE! card (CSR for me) will change at some point and probably no longer be the best... or like this Alliant card, no longer really in the conversation.
@SouthJamaica wrote:
@Blodreina wrote:Unclear what happens to existing cardholders.
Alliant seems bound and determined to lose all its customers.
I've been a non-rewards platinum card holder for around 5 years, and used it primarily for no-fee balance transfers. Now they've added a balance transfer fee and raised their cash advance fee. Their interest rates were already much higher than my other credit union platinum cards. So the card has become worthless to me.
Now it seems they're going after their cash back card with the same idea in mind: losing all their customers. There are so many excellent cash back cards out there with no annual fee, why on earth would anyone pay a $99 annual fee for theirs?
Remember PT Barnum's comment: "there's a sucker born every minute" 
@Anonymous wrote:
@SouthJamaica wrote:
@Blodreina wrote:Unclear what happens to existing cardholders.
Alliant seems bound and determined to lose all its customers.
I've been a non-rewards platinum card holder for around 5 years, and used it primarily for no-fee balance transfers. Now they've added a balance transfer fee and raised their cash advance fee. Their interest rates were already much higher than my other credit union platinum cards. So the card has become worthless to me.
Now it seems they're going after their cash back card with the same idea in mind: losing all their customers. There are so many excellent cash back cards out there with no annual fee, why on earth would anyone pay a $99 annual fee for theirs?
Remember PT Barnum's comment: "there's a sucker born every minute"
Very true.... but remember, we are not talking about a bank. We're talking about a credit union that is supposed to protect the interests of its members. There aren't supposed to be suckers in the credit union environment.
@UncleB wrote:
@Anonymous wrote:
@pinkandgrey wrote:This is actually good news to me lol. I’ve wanted this one for awhile but I don’t think it would be worth it in the long run. I’ll just stick with my no-AF DC.
Same, I was gotta try to get it next year after I graduated and found a better job, but now I'll just use my DC and app for a better travel card in the future. Sure makes that USAA Limitless card a one-hit wonder!
Yep, getting the Limitless as soon as it was available in my state was one of the smarter credit moves I've made.
I considered waiting until my scores were stronger, but something told me not to wait. I did end up getting a high APR, but I would never carry a balance on it anyway so it doesn't really matter.
Amend! Sad part is that USAA did not open it up to Veterans in every state (at least once) as that seems the fairest way 