The Alliant credit card offers 3% cash back in first year only. After that you will be earning 2.5% cash back on all purchases. No sign-up bonuses, no 0% intro APRs and annual fee payments start on the second year. A good alternative to such a credit card can be the Discover it® Cash Back credit card. The card allows to earn 1% cash back on all purchases and 5% cash back in rotating categories (up to a quarterly maximum, provided you are enrolled). There is no annual fee for the card and your interest rates will be 0% for more than a year (when the introductory interest rate is over, the ongoing APR will apply). Discover will match aLL the cash back you’ve earned at the end of your first year (provided you are a new cardmember). Thus, if you earn $150, you get $300.