Citi Premier Card vs Alliant Cashback Visa Signature Credit Card

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

Snapshot

	Citi Premier Card	Alliant Cashback Visa Signature Credit Card
Issuer	Citibank	Alliant Credit Union
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$95.00	$0.00
Base Rate	1.00%	2.50%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Grandfathered	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	2.5% (base)
Restaurants	3.0%	2.5% (base)
Supermarkets	3.0%	2.5% (base)
Gas Stations	3.0%	2.5% (base)
Airline	3.0%	2.5% (base)
Hotels	3.0%	2.5% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	18 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	10.99% - 18.99%	15.24% - 25.24%
Cash Advance APR	21.24%	25.24%
Penalty APR	21.49%	N/A
Late Fee	$41	$29
Balance Transfer Fee	undefined% (min $0)	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	Citi 8/65	Standard