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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 intro interest rates on purchases and balance transfer will be 0% for 14 months (when the introductory interest rate is over, the ongoing APR of 13.49% - 24.49% Variable 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.