Some banks supply higher bank card rewards to cardholders who preserve lively checking or financial savings accounts. Financial institution of America, for instance, provides higher rewards and rates of interest to shoppers with Financial institution of America checking accounts and Merrill funding accounts.

Alliant Credit score Union, certainly one of CNET’s finest on-line banks of 2023, provides an identical alternative. For those who efficiently apply for the Alliant Cashback Visa® Signature Credit score Card*, you will mechanically earn 1.5% money again on each qualifying buy. However should you pair your Alliant Cashback Visa Signature Credit score Card with an lively Alliant Excessive-Charge Checking account that meets a number of deposit and transaction necessities, you possibly can earn 2.5% money again on the primary $10,000 in qualifying eligible purchases per billing cycle — a better fee than lots of the finest cash-back bank cards. 

Methods to earn extra rewards

The Alliant Cashback Visa Signature Credit score Card provides two tiers of rewards:

• Tier One Rewards: 2.5% money again on the primary $10,000 in qualifying eligible purchases per billing cycle, 1.5% money again on all different qualifying eligible purchases
• Tier Two Rewards: 1.5% money again on all qualifying eligible purchases

To earn Tier One Rewards, you want an lively Alliant Excessive-Charge Checking account with a minimal common every day steadiness of at the least $1,000. You additionally have to make at the least one digital deposit, reminiscent of a direct deposit or ATM deposit, per thirty days. Lastly, you must choose in to obtain eStatements.

For those who wouldn’t have an lively Alliant Excessive-Charge Checking account that meets the above necessities, you will earn Tier Two Rewards. 

Your rewards standing relies upon assembly the necessities within the earlier calendar month. In case your common every day checking account steadiness drops beneath $1,000 for one month, you will earn Tier Two Rewards the next month. For those who get your common every day checking account steadiness again as much as the $1,000 minimal (whereas persevering with to satisfy the opposite checking account necessities), you will earn Tier One Rewards the next month.

You will have two choices relating to redeeming your Alliant Cashback Visa Signature Credit score Card rewards. You’ll be able to apply your rewards as an announcement credit score in the direction of your bank card invoice, or you possibly can deposit your rewards into an Alliant checking account or financial savings account.

100-day welcome bonus

For many bank card welcome bonuses, you must spend sufficient cash inside a selected timeframe to earn a predetermined payout. However the Alliant Cashback Visa Signature Card provides a distinct welcome bonus construction.

New cardholders mechanically earn Tier One Rewards for the primary 100 days after account opening. This offers you the chance to earn 2.5% money again on the primary $10,000 in purchases per billing cycle for the primary 100 days. Meaning you could possibly probably earn as much as $250 every billing cycle through the 100 day timeframe.

No annual payment and no international transaction charges

The Alliant Cashback Visa Signature Credit score Card doesn’t cost an annual payment. The cardboard would not cost international transaction charges, both — providing you with the chance to make use of your card whilst you journey with out incurring additional charges.

Different playing cards to contemplate

Wells Fargo Energetic Money® Card

If you need 2% money rewards on purchases, check out the Wells Fargo Energetic Money® Card. This flat-rate card provides among the best rewards charges within the business, providing you with the chance to earn 2% money rewards in your purchases — with no checking account necessities or spending limits. 

New cardholders can even earn a welcome bonus value $200 money rewards after spending $1,000 in purchases within the first three months, which is barely much less rewarding than what the Alliant Cashback card provides. Plus, you will not need to pay an annual payment and may reap the benefits of the introductory APR on purchases and qualifying steadiness transfers.

Capital One Quicksilver Money Rewards Credit score Card

The Capital One Quicksilver Money Rewards Credit score Card* is one other strong cash-back card, providing 1.5% money again on all purchases, an introductory APR on purchases and steadiness transfers, and a $200 welcome bonus for brand spanking new cardholders who spend $500 within the first three months. 

The Quicksilver’s journey bonuses set this no-annual-fee card aside from its rivals. Cardholders have the chance to earn limitless 5% money again on motels and rental automobiles booked via Capital One Journey — and should you use your Capital One Quicksilver Money Rewards Credit score Card overseas, you will not need to pay international transaction charges.

FAQs

*All details about the Alliant Cashback Visa Signature Credit score Card and the Capital One Quicksilver Money Rewards Credit score Card has been collected independently by CNET and has not been reviewed by the issuer.

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