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  Alabama Credit Union Bama Credit Card

Alabama Credit Union Bama Credit Card

in Personal Credit Cards from Alabama Credit Union

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Alabama Credit Union Bama Credit Card

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in Personal Credit Cards from Alabama Credit Union

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Highlights
Highlights
Purchase APR  (Variable APR) 11.90% - 17.90%
Balance Transfer APR  (Variable APR) 11.90% - 17.90%
Credit Score Range 650 - 850
Annual Fee $0

Alabama Credit Union Bama Credit Card Review

Alabama Credit Union Bama Credit Card is a cashback credit card issued by Alabama Credit Union. If you're wondering whether Alabama Credit Union Bama Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Earn 1% cash back on everyday purchases.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. Alabama Credit Union Bama Credit Card has a variable purchase APR that ranges from 11.90% up to 17.90%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 0.9% Balance transfer fee. Alabama Credit Union Bama Credit Card charges a fee of up to 0.9% on balance transfers. For example, a balance of $1,000 could cost up to $9 in transfer fees.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, price protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Alabama Credit Union Bama Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • Has an introductory APR rate on balance transfers of 0.9%.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Alabama Credit Union Bama Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.1%.
  • Charges a 0.9% balance transfer fee.
Alabama Credit Union Bama Credit Card FAQ

Is there a Alabama Credit Union Bama Credit Card cash back or rewards program?

Alabama Credit Union Bama Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Alabama Credit Union Bama Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Alabama Credit Union Bama Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Alabama Credit Union Bama Credit Card have a signup bonus?

Alabama Credit Union Bama Credit Card doesn't offer a cash signup bonus.

Does Alabama Credit Union Bama Credit Card offer an annual loyalty bonus?

Alabama Credit Union Bama Credit Card doesn't offer a cash loyalty bonus.

What are the Alabama Credit Union Bama Credit Card benefits?

Alabama Credit Union Bama Credit Card provides the following benefits:

  • Price Protection
  • Cellular Telephone Protection
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Alabama Credit Union Bama Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Alabama Credit Union Bama Credit Card has lower than average purchase APRs.

Alabama Credit Union Bama Credit Card has a variable purchase APR that ranges from 11.90% up to 17.90%. The card has a variable balance transfer APR that ranges from 11.90% up to 17.90%. It also has a variable cash advance APR that ranges from 11.90% up to 17.90%.

Does Alabama Credit Union Bama Credit Card have an introductory APR offer on balance transfers?

Yes, Alabama Credit Union Bama Credit Card offers an introductory APR rate on balance transfers of 0.9% for a period of up to 12 months.

Alabama Credit Union Bama Credit Card Balance Transfers
Description
Balance Transfer APR 11.90% - 17.90%
Balance Transfer Introductory APR 0.9%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 0.9%
Balance Transfer Fee Minimum N/A

Does Alabama Credit Union Bama Credit Card have an introductory APR offer on new purchases?

Alabama Credit Union Bama Credit Card does not offer an introductory rate on new purchases.
Alabama Credit Union Bama Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Alabama Credit Union Bama Credit Card?

The following fees apply to Alabama Credit Union Bama Credit Card:

Alabama Credit Union Bama Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1.1%
Late Payment Fee $20

Does Alabama Credit Union Bama Credit Card have a foreign transaction fee?

Alabama Credit Union Bama Credit Card charges a foreign transaction fee of 1.1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Alabama Credit Union Bama Credit Card report your account activity to credit bureaus?

Alabama Credit Union Bama Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Alabama Credit Union Bama Credit Card

  • Visit the Alabama Credit Union Bama Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 10:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Alabama Credit Union Bama Credit Card

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View all personal credit cards offered by Alabama Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.1%
Late Fee Amount $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
Rewards Rates Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 11.90% - 17.90%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 11.90% - 17.90%
Balance Transfer Introductory APR (Variable APR) 0.9%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.90% - 17.90%
Balance Transfer Fee % 0.9%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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