
Alabama Credit Union Bama Credit Card
in Personal Credit Cards from Alabama Credit Union
UnaffiliatedAlabama Credit Union Bama Credit Card
in Personal Credit Cards from Alabama Credit Union
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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.
- 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.
The Good | The Bad |
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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.
Minimum rewards rate | 1x |
Max rewards rate | N/A |
Annual rewards limit | 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.
Description | |
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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.Description | |
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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:
Fees | Amount |
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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?
Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
220 Paul W Bryant Drive East
Tuscaloosa, AL 35401 - (888) 817-2002
- Visit Site
About Alabama Credit Union Bama Credit Card

Availability
- 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 |
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