| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Eligible Purchases
Unlimited flat-rate 1.5% cash back on all eligible purchases; the former 2.5% Tier One rewards structure (requiring an Alliant High-Rate Checking account, eStatements, and $1,000 average daily balance) was discontinued effective November 1, 2025, and replaced with this uncapped flat rate with no requirements.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The Alliant Cashback Visa Signature Card carries no annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States, making this card suitable for international travel and use.
|
Financial | $0 foreign transaction fee |
|
Auto Rental Collision Damage Waiver
Eliminates the need to purchase the collision damage waiver from commercial rental car companies on most passenger vehicles when the full rental cost is charged to the card.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Doubles the term of eligible U.S. manufacturer's warranties of three years or less, up to one additional year; warranties of less than one year are fully doubled.
|
Insurance | Up to 1 additional year |
|
Purchase Security
Eligible new retail purchases made with the card are protected against theft or damage for 90 days from the date of purchase.
|
Insurance | 90-day coverage |
|
Visa Signature Concierge
Provides 24/7 complimentary concierge assistance with travel planning, restaurant reservations, entertainment tickets, and other lifestyle requests; cardholders are responsible for the cost of goods or services arranged.
|
Lifestyle | Complimentary service |
|
Debt Protection Plan
An optional, fee-based debt protection plan that may cancel or suspend card balances in the event of involuntary unemployment, disability (up to $18,000), or death (up to $100,000); terms and conditions apply.
|
Other | Up to $100,000 (death); Up to $18,000 (disability/unemployment) |
|
Flat-Rate Cash Back
Earn unlimited 1.5% cash back on all eligible purchases with no bonus categories, rotating categories, or spending caps. Cash back can be redeemed as a statement credit or deposited into an Alliant checking or savings account.
|
Rewards | 1.5% unlimited |
|
EMV Chip Technology
The card is equipped with an embedded EMV chip for enhanced security at chip-enabled terminals domestically and internationally.
|
Security | Complimentary |
|
ID Navigator Powered by NortonLifeLock™
Provides tools and alerts to help cardholders stay informed and act quickly when their identity is threatened, powered by NortonLifeLock.
|
Security | Complimentary |
|
Personal Identity Theft Protection
Provides reimbursement of up to $5,000 for covered expenses incurred in restoring your identity following a covered stolen identity event.
|
Security |
Up to $5,000
Up to $5,000
|
|
Visa Purchase Alerts
Cardholders can opt in to receive real-time SMS or email notifications for transactions, including alerts for purchases above a set threshold, international purchases, and card-not-present transactions.
|
Security | Complimentary |
|
Zero Liability Fraud Protection
Cardholders are not held responsible for unauthorized purchases made with their card if it is lost or stolen, provided the loss is reported promptly.
|
Security | Complimentary |
|
Contactless Payments and Mobile Wallet Compatibility
The card supports tap-to-pay contactless technology and is compatible with Apple Pay, Google Pay, and Samsung Pay for fast, secure checkout.
|
Shopping | Complimentary |
|
Roadside Dispatch
Provides 24/7 pay-per-use access to roadside assistance services via a toll-free number, including towing, locksmith referrals, and jump-starts.
|
Travel | Pay-per-use, 24/7 access |
|
Travel Accident Insurance
Automatic accidental death and dismemberment coverage for the cardholder and dependents when the entire travel fare is charged to the card.
|
Travel |
Up to $250,000
Up to $250,000
|
|
Travel and Emergency Assistance Services
Provides 24/7 access to assistance services when emergencies arise during travel, including referrals for medical, legal, and transportation needs.
|
Travel | Complimentary |
|
Visa Signature Luxury Hotel Collection
Provides special guest status and perks at 900+ participating luxury hotel and resort properties worldwide, including daily complimentary breakfast for two, room upgrades when available, late checkout when available, a $25 food and beverage credit per stay, complimentary in-room Wi-Fi, and VIP amenities.
|
Travel | Complimentary perks at 900+ hotels |
|
Visa Signature Rental Car Privileges — Avis and Budget
Cardholders can receive up to 25% off base rates on qualifying vehicle rentals from Avis and Budget when booking with their Visa Signature card.
|
Travel | Up to 25% off base rates |