Alliant cashback card - Revision history

Editor at 00:08, 26 June 2021

2021-06-26T00:08:51Z

Editor at 00:08, 26 June 2021

2021-06-26T00:08:41Z

Editor at 00:08, 26 June 2021

2021-06-26T00:08:21Z

Editor at 06:50, 19 February 2021

2021-02-19T06:50:23Z

Editor: Editor moved page Alliant Cashback Card to Alliant cashback card without leaving a redirect

2021-02-18T23:43:17Z

Editor moved page Alliant Cashback Card to Alliant cashback card without leaving a redirect

Editor at 23:35, 12 October 2020

2020-10-12T23:35:18Z

Editor: /* Using the Card for your Everyday Spending */

2020-10-12T16:41:23Z

‎Using the Card for your Everyday Spending

Editor at 16:32, 12 October 2020

2020-10-12T16:32:38Z

Editor: /* Using This Card for your Everyday Spending */

2020-10-12T16:29:03Z

‎Using This Card for your Everyday Spending

Editor: /* Getting the Card */

2020-10-11T16:49:15Z

‎Getting the Card

@@ Line 12: / Line 12: @@
 |ApplyLink=//www.alliantcreditunion.org/bank/visa-signature-card
 |BusinessVersion=
-|Fee=None
+|Fee=0
 |Waived=Yes
 |FTF=0

@@ Line 12: / Line 12: @@
 |ApplyLink=//www.alliantcreditunion.org/bank/visa-signature-card
 |BusinessVersion=
-|Fee=99
+|Fee=None
 |Waived=Yes
 |FTF=0

@@ Line 37: / Line 37: @@
 </div>
-'''The Alliant card offers the highest cash back rate of any card that doesn't have some kind of special caveat or restriction. If you can get approved, it is often the best option for people who want to earn cash back from their general purpose reward card (or don't have access to the Chase Unlimited combo). However, if you don't expect to use the card very much, you are better off choosing a card that only earns 2% but doesn't require an annual fee'''.
+'''As long as you don't mind jumping through some extra account setup steps, the Alliant earns an extra half percent more cashback than a standard 2% no-annual-fee cashback card. It can be the best cashback option for people who don't qualify for BOA Platinum Honors, don't want to apply for a new Discover Card every year, and can't get one of the regional options.'''.
 {{TOC|All}}
@@ Line 46: / Line 46: @@
-=== Getting the Card ===
+=== Setting up the 2.5% option ===
 '''To get the card, you'll need to become a member of the Alliant Credit Union'''. If you don’t work for an associated business, you can join by making a $10 donation to Foster Care to Success. However, even if you are eligible, if you've been signing up for lots of credit cards, it can be hard to get approved by Alliant.
 === Notable Benefits ===

← Older revision		Revision as of 06:50, 19 February 2021
Line 1:		Line 1:
		+	{{DISPLAYTITLE: Alliant Cashback Card}}
	{{Page\|card\|All Cards}}		{{Page\|card\|All Cards}}

@@ Line 40: / Line 40: @@
 {{TOC|All}}
 *[[#Getting the Card|Getting the Card]]
-*[[#Other Notable Benefits|Other Notable Benefits]]
+*[[#Notable Benefits|Notable Benefits]]
 *[[#Using the Card for your Everyday Spending|Using for your Everyday Spending]]
 {{/TOC}}
@@ Line 49: / Line 49: @@
 '''To get the card, you'll need to become a member of the Alliant Credit Union'''. If you don’t work for an associated business, you can join by making a $10 donation to Foster Care to Success. However, even if you are eligible, if you've been signing up for lots of credit cards, it can be hard to get approved by Alliant.
-=== Other Notable Benefits ===
+=== Notable Benefits ===
 <ul class="bulletlist">

← Older revision	Revision as of 23:43, 18 February 2021
(No difference)

@@ Line 58: / Line 58: @@
 <ul class="bulletlist">
-<li>'''This is the best pure cash back rate of any card'''. At least without additional complexity or caveats. Rewards are capped at $10,000 worth of spending each month ($250 worth of rewards).</li>
+<li>'''The Alliant Card offers the highest universal cashback rate of any card'''. A few cards offer higher cashback rates under particular circumstances, but the Alliant Cards rate works for everyone. Rewards are capped at $10,000 worth of spending each month ($250 worth of rewards).</li>
-<li>'''You can earn a more valuable reward rate with Ultimate Rewards, Membership Rewards, ThankYou rewards or Amtrak Rewards'''. So, it is primarily useful for people who put a premium on actual cash back or who otherwise can't get enough value out of these other points currencies.</li>
+<li>'''If you are willing to use your points for award travel, you can earn more valuable rewards from other cards'''. For example, Using 1.5x Ultimate Rewards points for Hyatt award nights is generally more valuable than 2.5% cashback, as is using 1.5-2x Membership Rewards points for frequent flyer tickets. As a result, the Alliant card is primarily for people who put a premium on actual cashback or who otherwise can't get enough value out of these other points currencies. {{Link|general purpose}}.</li>
-If you highly value premium cabin airline seats, and have the patience to earn enough points and find award space, you should unquestionably earn Ultimate Rewards or Membership Rewards points, rather than cash back.
+<li>'''If you can move $100,000 in investment or retirement assets to Merrill Lynch, you can earn better rewards with the Bank of America Travel (or Premier Rewards) Card'''. With that level of assets, you'll qualify for a 75% reward bonus, which increases the cash-back rate to 2.625%. With the Travel version, you won't be an annual fee. With the Premier version, there is an annual fee, but you'll get some additional benefits, including a $100 airline incidental credit.</li>
-<li>'''If you can move $100,000 in investment or retirement assets to Merrill Lynch, you can earn better rewards with the Bank of America Travel (or Premier Rewards) card'''. With that level of assets, you'll qualify for a 75% reward bonus, which increases the cash-back rate to 2.625%. With the Travel version, you won't be an annual fee. With the Premier version, there is an annual fee, but you'll get some additional benefits.</li>
+<li>'''The Discover Card earns 3% back in the first year and can be easier to get than the Alliant Card'''. It is often possible to cycle through Discover Cards every year to sustain this 3% rate.</li>
 </ul>

@@ Line 55: / Line 55: @@
 </ul>
-=== Using This Card for your Everyday Spending ===
+=== Using the Card for your Everyday Spending ===
 <ul class="bulletlist">