Posted by William Charles on July 31, 2019
Credit Card Offers

Published on July 31st, 2019 | by William Charles

38

[Expired] Alliant 25,000 Point Bonus On Visa Platinum Rewards Card

The Offer

Direct link to offer

  • Alliant is offering a sign up bonus of 25,000 points (worth $250) on their Visa Platinum Rewards card. The spending requirement is $3,000 within the first 90 days

Card Details

  • No annual fee
  • Card earns two rewards points on every dollar spent
  • Valid until August 30th, 2019

Our Verdict

Alliant offer three credit cards: this card, a card that doesn’t offer rewards and a 3% cash back card(first year, then it drops to 2.5%). You’re limited to one card with Alliant, but you can product change between the cards.It’s made even better by the fact that you could at a later stage product change this card into the 3% card and still get that rate and the annual fee waived first year. Previously this $250 bonus has been available but targeted and now it’s publicly available. If you have any questions about Alliant please read this post first as they are most likely answered there.

Hat tip to US Credit Card Guide



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ND
ND

Now that Citi benefits are going away, is this a better card when compared to double cash?

Keron Cyst
Keron Cyst

Correct. I flip-flop between this card and Double Cash, and will move 100% to ACU (this one, Alliant Credit Union) after Price Rewind dies.

Always endorse the underdog. Citi has reigned for far too long, and credit unions share their profits with their clients.

icemule1
icemule1

Is this the card where you’ll get turned down if you don’t have $100K in annual income?

Edit: Seems so, I found this online: Both of Alliant’s rewards cards are designed for people with “A+/A credit” who earn more than $100,000 per year and haven’t opened multiple accounts recently

Pointz
Pointz

No I was not even close when they gave it to me. FICO average was 720

Dave R
Dave R

I recently applied for this card with a $54k income and 10+ hard inquiries in every bureau and got approved. This one seems pretty easy to get.

Of course I missed out on the bonus.

LC
LC

mind sharing what Bureau(s) they pulled for you?

LC
LC

btw they pulled Transunion only for me in ks

Sam
Sam

did they ask for income and employment verification?

Skip
Skip

This reminds me I need to cancel their 3%/2.5% card. I got it a few years back before they jacked up the annual fee.

Sam
Sam

be sure to cancel before the fee actually gets charged, they do not refund after the fee posts, even if you cancel the day after

Pointz
Pointz

They just emailed me with the following offer “Spend $500 by August 31 and earn 2500 bonus points”. This is on the top of 2% I am already getting, so nice. It does say gift cards are excluded.

Pointz
Pointz
Chuck

Thanks

dan
dan

freelancers does not seem to be an option: https://www.alliantcreditunion.com/Applications/Eligibility/Employer
looks like theyve changed the criteria for signing up.

missjenniferd1🦉 🦁

when my mom signed up a couple months ago (not for the credit card, but for the checking account), there was a different charity that you could select, and alliant paid it on your behalf so it didnt cost anything. if i remember correctly i think it was like a womens shelter or a childrens home or something to that effect. so you dont necessarily have to choose freelancers.

sam
sam

anybody have issues getting cashback on alliant through giftcard mall? the 3% card seems to have problems with not getting cashback on simon mall purchases, but im not sure if it affects the 2% card / signup bonus spending requirement

OffByOne
OffByOne

Might want to add [EXPIRED] to the post title now that its past the August 30, 2019 deadline.

missjenniferd1🦉 🦁

received a preapproval for a card, with a paltry $2500 credit limit. instantly approved, then received a secure message requesting all the below:

We will need a copy of your drivers license, social security card, utility bill, 2 most current paystubs and verification of employment letter to review before processing the visa. Please upload and respond once completed.

i told them to forget it. what a bunch of crap. i have a real job, not a 1099 type job, and they already accessed my credit, and i already have had a checking account with them for going on 2 years.. this is really too much, and i’m not bending over for a lousy $2500 credit limit when i have 30 years of perfect credit history. since when does anyone need a letter of employment?!!? like i’m going to ask my job to write them a letter… why isnt 2 checkstubs enough??

i suggest a hard pass for any credit cards they offer, unless you feel like jumping thru hoops for them. ps. the bonus offer was for $150.. not going to go thru all that to get $150 for spending $2500 in 90 days…

edit. this is for the offer for the regular platinum card, not the rewards card, but i wouldnt have cared either way. this should be stated on the application section that you have to do all this, because i would never ask my job to write a letter so that i can obtain a credit card.

if they cant act like a normal credit card issuer, then they dont need to have my business. i couldnt care less about their card or their bonus. i have limitless with usaa (2.5% on everything), and 5% gas with usaa, 5% utilities with usbank, 3% groceries with blue everyday.

i basially took the inquiry for the $150 bonus, but i would never bother my job for some trivial nonsense as writing them an employment letter. that is too much. what do think i am, a credit rebuilder!?!?!? they can go get a life.

Diomaiuti
Diomaiuti

I got the very same offer in email today (or actually, just an invitation to apply for the same terms on the same card, so no definite CL). I, too, have been a checking-only customer for a couple years, using it as a hub for various ACH
& bank-bonus activities.

Not really tempted by the offer b/c:
– 0% APR is not guaranteed, and I’m currently on 0% until late next year on an Amex BBC card.
– Post-promo APR won’t be lower than 11.24% – decent, but I already have better elsewhere
– Fee for BTs. I’ve gotten spoiled in recent years w/no-fee offers (BofA/Amex ED/NFCU)
– Reputation of low limits/difficult approvals
– It’s only $150 anyway

All that said, I might still have considered applying before the deadline of 12/6. After reading this, though, prolly not. 😎

D

missjenniferd1🦉 🦁

seriously, i would be embarassed to go ask my employer can you write me a letter of employment so i can get a credit card??

i am 47 years old, have had credit since i was 19. owned 4 houses. the current house being $250,000 and only owing $10k on it before it’s paid off completely. my other card limits are generally $10k-$15k. each.

my credit score, even with churning every month, and 10 inquiries is still 700, but without churning it was 840. i have $170k in cash assets (not in stocks/mutual funds), and they seriously think i will want their paltry $2500 credit limit and that i will actually go ask my job for employment reference for a bloody credit card!!!

i have never been so apalled in all my life, and trust me, i have dealt with about 25 unique banks per year, and have never heard of such a thing, in fact, not even when i get approved for a mortgage do they ask me to go get my employer to write them a letter, and furthermore, on a heloc of $100,000 line of credit, they never asked me for that.

i dont know how alliant can be so awesome at banking and so unbelievably crappy with credit cards, i will never in life deal with them again,(except to use them for dd purposes/hub) and am infuriated that they did an inquiry on my credit report for this nonsense!!!

i wouldnt give them my business for all the plastic in china!!!! and makes me not feel guilty now for using them strictly as a hub…. they are ridiculous!!!

Diomaiuti
Diomaiuti

Yah, it really feels a little insulting… I can’t recall ever having to get an actual employer letter for anything, although since I worked (at the time of my last mortgage app) for BigCorp, they may have called “TheWorkNumber” or whatever behind the scenes.

Just bought my post-divorce place at 48, and can only dream of being just $10k from completion, even if it is mathematically inevitable (should I live so long.) Someday, someday…

D

Chad
Chad

Ridiculous…6 months from now, sorry we lost all your personal information in a cybersecurity incident.

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