VisaAlliant Cashback Visa Signature
The legendary 2.5% card, now closed to new applicants and cut to 1.5%.
Welcome Bonus
None
No welcome offer, card is no longer open to new applicants
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
720+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xAll purchases (rate cut from 2.5% effective 11/1/2025)
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Existing cardholders keep the card with no annual fee
- ✦Redemption minimum lowered to $25
- ✦No foreign transaction fees
Why it earns its spot
- +Was the best flat-rate card in America for years
- +Still a fee-free 1.5% keeper for existing holders
Where it costs you
- −Pulled from new applications in 2025
- −2.5% Tier One rate ended 11/1/2025, now 1.5% for everyone
- −Alliant checking requirements no longer buy anything extra
The Compound Verdict
For years this was the answer to the question of the best flat-rate card: 2.5% on up to $10,000 a month with a checking relationship. Alliant quietly closed it to new applicants and cut everyone to 1.5% in late 2025. Existing holders should move big spend to a true 2% card.
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