I am confused and not thinking entirely straight. It is regarding the Alliant credit cards. I have the high rewards card currently at 3% soon to descend to 2.5%, still a wonderful reward. That is my only Alliant CC right now.
I need additional rewards credit and have been searching hard for 2% cards. There are some, but not all that many. One that keeps coming up is the Alliant 2% rewards card with no annual fee. That is a very attractive deal to me, except I already have the other Alliant card. Here is where I’m unclear:
Does it make any sense for me to apply for the 2% Alliant card? Do the two Alliant cards interact with one another, to where if I’m granted credit on a new one it will detract from the credit line of the other card, future increases I mean.
I guess I’m also asking if anyone already has both of these high rewards Alliant cards and how is that working out for you?
This is not a post about 2% rewards cards in general. I’m only needing to know about the two Alliant cards and how they might interact, if at all. I already have several other, non-Alliant, 2% cards and do not need suggestions in that realm. This is strictly about Alliant’s cards and about the advisability of applying for that second Alliant card.
OK, I just re-read that and it is pretty muddled. Like I said, I’m confused. Let me try another way:
If Alliant only grants just so much credit then I’m better off leaving the 2% card alone (i.e., not applying) and trying to increase the line on my 2.5% Alliant card instead. Better to have whatever credit they’re willing to offer me applied to the card with the higher reward.
But OTOH if I can apply for and receive extra Alliant credit, at 2% reward, without hurting my 2.5% situation, then that would be the way for me to go.
So I’m looking for opinions as to the best approach, especially if they are based on your own experience with Alliant.