Alliant Cashback Card Slashing Rewards Rate to 1.5%
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Managing Editor Starting Nov. 1, 2025, the rewards rate on the Alliant Cashback Visa® Signature Credit Card is dropping to 1.5% cash back on all purchases. That number represents a major devaluation from the card's previous top rate of 2.5%, which was available to cardholders who met certain requirements.
The card is no longer taking applications, but existing holders can still use it. Previously, those holders could snag the 2.5% cash-back rate on up to $10,000 in spending per billing cycle, by meeting the following conditions:
- Have an Alliant High-Rate Checking account.
- Opt in to electronic statements.
- Have at least one monthly electronic deposit made into the account.
- Maintain an average daily balance of $1,000 or more.
If you didn’t meet those requirements, you’d earn just 1.5%.
With the change, the Alliant Cashback card no longer belongs to an elite group of no-annual-fee cards that earn more than 2% back on all purchases. If you want that rewards rate, your options are limited to cards like the U.S. Bank Smartly™ Visa Signature® Card or the Robinhood Gold Card. However, both cards have their own requirements for snagging those elevated rates.
If you don’t want to work so hard for your rewards, see our list of cards that earn 2% cash back on everything.
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