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Alliant CU VISA, 3% cash 1st yr, then 2.5% (Capped). Fee waived 1st year.

Alliant CU VISA, 3% cash 1st yr, then 2.5% (Capped). Fee waived 1st year.

Old Mar 16, 2017, 11:18 am
  #16  
bbd
 
Join Date: Jul 2008
Posts: 171
Just signed up for an account, through donating $10 dollars.

I also got the checking, is there any money required in savings or checking to keep the account active. There is no fees as well correct?
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Old Mar 16, 2017, 5:22 pm
  #17  
 
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
After the first year, the USAA limitless is still a better deal.
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Old Mar 16, 2017, 6:54 pm
  #18  
 
Join Date: Jan 2010
Posts: 1,708
Originally Posted by missing_link
My guess based on my experience with Alliant is that they will award cash back but that they will not abide by heavy MSing.
What are the odds this lasts longer than the Diner's Club cards from a couple years ago?
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Old Mar 16, 2017, 8:29 pm
  #19  
bbd
 
Join Date: Jul 2008
Posts: 171
Originally Posted by mikesyr18
After the first year, the USAA limitless is still a better deal.
Yeah but hard to become a member
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Old Mar 16, 2017, 11:14 pm
  #20  
 
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
Originally Posted by bbd
Yeah but hard to become a member
True, but some people are eligible to become members without realizing it... They may have a great grandfather or someone who served, or a step parent who has served.

Once you get in, though, the card isn't difficult to obtain. Their internal score was a 670 and I was approved for 5k with 18 inquiries.
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Old Mar 16, 2017, 11:26 pm
  #21  
 
Join Date: Feb 2015
Posts: 910
For people that already applied for this credit card (or their previous ones), did they ask you to submit pay stubs and/or employment verification letter? Some people report being asked, not sure if that's due to a certain range of income or other factors.
NoonRadar is offline  
Old Mar 17, 2017, 7:34 am
  #22  
 
Join Date: Jan 2010
Posts: 1,708
Originally Posted by NoonRadar
Has anyone done M$-ed with an Alliant card? How did it go?
I don't think they've ever had a card offering more than 1% before.

Is Alliant willing to dedicate resources to patrol M$ in general (hard to do without level 3 data, for in-store purchases anyhow) and how aggressive will they be towards our hobby in general?
My guess is they may be very aggressive because they are a conservative CU.

Even without L3 data they can for instance target & shut down ppl that do most of their spending online at GCM and/or GC. I guess we'll find out.
Yeah.
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Old Mar 17, 2017, 12:40 pm
  #23  
bbd
 
Join Date: Jul 2008
Posts: 171
Originally Posted by NoonRadar
For people that already applied for this credit card (or their previous ones), did they ask you to submit pay stubs and/or employment verification letter? Some people report being asked, not sure if that's due to a certain range of income or other factors.

They did not ask for mine, but they declined me because of my i use some of my personal credit cards for my work so they get maxed out every month but get paid off in full.

So i have to pay them off in full and re apply they said.
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Old Mar 22, 2017, 2:12 pm
  #24  
 
Join Date: Jan 2006
Programs: Marriott - Titanium, AA - Lifetime Gold
Posts: 333
Getting an approval from these guys is like applying for a mortgage.
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
Duke5150 is offline  
Old Mar 23, 2017, 10:36 am
  #25  
 
Join Date: Dec 2015
Location: DCA
Posts: 831
Originally Posted by Duke5150
Getting an approval from these guys is like applying for a mortgage.
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
I didn't have to submit any of that, they basically just asked the standard questions for any normal CC app. At the end of the call, after analyst said I was approved, she said I might need to submit an ID but then I got an email 30 mins later saying they had received all required documents. This was Wednesday of last week. Still waiting for the card to showup like a kid waiting for Christmas
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Old Mar 23, 2017, 1:17 pm
  #26  
 
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 2,009
Originally Posted by mikesyr18
After the first year, the USAA limitless is still a better deal.
Even before the first year my grandfathered Priceline 2x/5x is better than this, otherwise I'd just use Freedom Unlimited instead.
yugi is offline  
Old Mar 24, 2017, 2:16 pm
  #27  
 
Join Date: Jan 2006
Programs: Marriott - Titanium, AA - Lifetime Gold
Posts: 333
I don't think you can beat this card for cash back.
It will be secondary to my Chase Sapphire Reserve for all items other than Dining and Travel.
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Old Mar 24, 2017, 3:30 pm
  #28  
 
Join Date: Dec 2015
Location: DCA
Posts: 831
Got my card in the mail today. Off to Simon!
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Old Mar 24, 2017, 4:50 pm
  #29  
 
Join Date: Oct 2014
Programs: All of them
Posts: 1,667
Originally Posted by Duke5150
Getting an approval from these guys is like applying for a mortgage.
You go through the "Lending" department who review and document all aspects of your identity, credit, and income.
Need to provide pay stubs and ID documents regardless of credit score and other cards you may have.
These are Newbies in this field and they rely on their Mortgage model.
BUT, great card and cash back.....
Let's see what they think of all the MS
littlewinglet is offline  
Old Mar 25, 2017, 7:36 am
  #30  
 
Join Date: Jan 2017
Posts: 7
Originally Posted by NoonRadar
Good catch. Many considered this an overseas alt Citi DoubleCash type, which it seems isn't.

Alliant seems to be overly caution and the a la carte type of bank. They seem to now want to make big waves with 2.5% cashback, which is aimed as competition for the big banks.
I think "foreign transaction currency charges" is different than "foreign transactions"... but probably should clarify with them
2010sf is offline  

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