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Ally Bank

Ally Unlimited Cash Back Mastercard for Educators

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
  • Required to be on Educators List for Marketing

Review details with the company before applying

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

Purchase interest rate and fees

24.99% – 28.99%* 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 28.99%
2 dollar sign symbols
Pay average interest
620-719 28.99%
2 dollar sign symbols
Pay average interest
720+ 24.99%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 12 months Introductory APR

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee
None
Minimum finance charge
A minimum interest payment of $1.50 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
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Late fee policy details
$29.00 for the first occurrence and $40.00 for any subsequent occurrence within six (6) billing cycles. The Late Fee will not exceed the lesser of the amount stated in the Account Summary Table or the amount of the Minimum Payment Due when the payment was
Over-limit fee
None
Expedited Delivery Fee
$29 (Replacement plastic)

Rewards and perks

Cash back Rewards
Services
  • Access to Free Credit Scores
  • This product also features benefits as offered by Mastercard
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • 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

0%* Balance transfer APR for 12 months
+
4% ($5 minimum) Balance transfer fee

*As of . Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

24.99% – 28.99%* Cash advance APR
+
5% ($10 minimum) Cash advance fee

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

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

Credit score Median cash advance APR
619 or less 28.99%
620-719 28.99%
720+ 24.99%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.