Alliant CashBack Visa Signature Cash Back Calculator

Alliant CashBack Visa Card

3% Cash Back The First Year
2.5% Cash Back Second Year Onward

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The Alliant CashBack Visa Signature Card is one of the top cash back credit cards on the market. It's a straightforward card that offers a flat rate of cash back per $1 spent without having to worry about about the troubles of rotating categories or finding a bunch of credit cards to fit your spending nature. Since the Alliant CashBack Visa Signature has an annual fee, this card will make the best sense for anyone that plans on putting the majority of there spend through it. If your credit profile is full of multiple reward cards, you may risk not making enough cash back to make the card worth picking up.

Bonus Categories

The Alliant CashBack Visa Signature Card does not feature any bonus categories. It earns cash rewards at a flat rate per $1 spent. There is no limit to the amount of cash back you can earn with this Alliant Credit Card. Below are the details on the flat-rate earnings.

3% Cash Back (Year 1)

Alliant CashBack Visa Signature Cardholders will earn 3% cash back per $1 spent on all purchases in their first year. On top of that, the annual fee is also waived the first year meaning you have the ability to rake in a great deal of cash back. The only other card that can reach this type of return in the first year is the Discover IT Miles Card since Discover doubles your rewards in the first year bumping this card from a 1.5% return to 3% return. But once the second year rolls in, the Discover IT Card becomes your basic 1.5% card while the Alliant CashBack Visa Signature still comes out on top for heavy spenders earning 2.5% cash back.

2.5% Cash Back (Year 2 Onward)

The Alliant CashBack Visa Signature Card earns 2.5% cash back per $1 spent on all purchases from the second year onward. This is when the annual fee kicks in and it becomes a matter of how much spend you plan on running through this cash back card. Like any card that presents an annual fee, you will want to make sure your spend is not spread across too many rewards cards so that you can make the annual fee worth paying. When you compare the Alliant CashBack Visa Signature to flat rate cash back cards that has no annual fee, it will take $10,000 in yearly spend to beat out a 1.5% cash back card like the Capital One Quicksilver Card and $20,000 in yearly spend to overthrow a 2% cash back card such as the Citi Double Cash Card.

Perks and Benefits

The Alliant CashBack Visa Signature does not have any perks specific to the card itself, but it does feature the standard Visa Signature perks which consist of travel accident insurance, rental car collision coverage, and roadside assistance to name a few.

Sign Up Bonus

There is no sign up bonus for the Alliant CashBack Visa Signature. Other cash back cards offer great sign up bonuses that could give it an initial advantage such as the standard 50,000 Venture Mile bonus on the Capital One Venture Card worth $500. If you take the sign up bonus into consideration, this would put the Venture Card slightly ahead of the Alliant CashBack Visa Signature based on overall return for the first year.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Alliant CashBack Visa Signature is $0 the first year, then $99. This allows you to earn an outstanding rate of cash back the first year that's hard to compete with. Once the fee does kick in the second year and the earning rate drops to 2.5%, it will require $3,960 in yearly spend ($330 per month) to break even and $20,000 in yearly spend ($1,667 per month) to surpass the rate of a no-annual fee 2% cash back card like the Citi Double Cash.

Authorized User Fee

There is a $0 authorized user fee to add additional users to the Alliant CashBack Visa Signature. This is the perfect card to friends and family to as authorized users as it can help build a significant amount of cash back.

Foreign Transaction Fee

The foreign transaction fee for the Alliant CashBack Visa Signature is 0%. That makes this an excellent card for international travel since you will not be charged a fee for transactions outside of the United States.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-01-18

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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