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Alabama Credit Union

Bama Card

This credit card is recommended for people with the following credit scores: No score, 619 or less, 620-719, and 720+

Nationwide
Availability
Eligibility requirements
  • Eligibility for membership with Alabama Credit Union
  • This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

alabamacu.com

Phone

(888) 817-2002

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

11.9% – 17.9%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
619 or less 15.54%
1 dollar sign symbol
Pay less interest
620-719 15.54%
1 dollar sign symbol
Pay less interest
720+ 15.54%
1 dollar sign symbol
Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
1% of each purchase; This program passes through the 1.0% foreign transaction fee that MasterCard applies to the transaction. There are no additional foreign transaction fees.
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
25 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$20 for the first late payment
Over-limit fee
None
Returned Payment fee
$20 (Payment made by the member for credit card payment is returned)

Rewards and perks

Cash back, travel, and other Rewards

Other rewards: Redemption for merchandise

Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Cell phone protection: $600 per claim, $25 deductible, up to 2 claims per year for total of $1,000 per year.
Card features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

This card does not offer cash advances.