Amex Platinum Card vs Alliant Cashback Visa Signature Credit Card

Side-by-side comparison of Amex Platinum Card and Alliant Cashback Visa Signature Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Amex Platinum Card	Alliant Cashback Visa Signature Credit Card
Issuer	American Express	Alliant Credit Union
Network	American Express	Visa
Card Material	Plastic	Plastic
Annual Fee	$895.00	$0.00
Base Rate	1.00%	2.50%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	2.5% (base)
Airline	5.0%	2.5% (base)
Hotels	5.0%	2.5% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	20 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	12.74% - 21.74%	15.24% - 25.24%
Cash Advance APR	28.74%	25.24%
Penalty APR	29.99%	N/A
Late Fee	$40	$29
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Secondary
Baggage Delay	—	Up to $300
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	Doubles original warranty up to 1 additional year
Purchase Protection	—	Up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	—	Up to $2,000 per passenger
Trip Delay	—	Up to $300 (delay > 12 hours)
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard