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1.5% Unlimited Cash Back with $0 Annual Fee and $0 Foreign Transaction Fees
Earn unlimited 1.5% cash back on every purchase with no annual fee, no foreign transaction fees, and no categories to track. Full Visa Signature benefits — including luxury hotel access, concierge, and rental car privileges — from a member-owned credit union.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Reviews & Analysis
A no-annual-fee credit union card earning flat 1.5% cash back on all purchases. Stands out with $0 foreign transaction fees and full Visa Signature benefits. Best for credit union members who value simplicity over maximizing category bonuses.
Details & Terms
| Purchase APR | 17.24%–27.24% (Variable) |
| Cash Advance APR | 27.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Combined Protection Value
$6,350
Get an additional year of warranty protection, up to $10,000 per claim, on eligible electronics with warranties of 3 years or less.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
You pay $0 for unauthorized card use — covered automatically if your card is lost or stolen
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
Get up to $5,000 reimbursement for covered identity restoration expenses plus NortonLifeLock monitoring
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page: Multiple card facts | |
| Alliant Credit Union Official | — | Alliant Credit Union Official |
| NerdWallet | — | NerdWallet |
| RewardsCC API | — | RewardsCC API |
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
