Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.9% - 17.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.9% - 17.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Alabama Credit Union Bama MasterCard Review
This is a cashback credit card issued by Alabama Credit Union. If you're wondering whether Alabama Credit Union Bama MasterCard is the right card for you, read on.
Key Takeaways
- APRs: Alabama Credit Union Bama MasterCard has a variable regular purchase APR that ranges from 11.9% up to 17.9%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Alabama Credit Union Bama MasterCard
| The Good | The Bad |
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Alabama Credit Union Bama MasterCard FAQ
Does Alabama Credit Union Bama MasterCard have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Alabama Credit Union Bama MasterCard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Alabama Credit Union Bama MasterCard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Alabama Credit Union Bama MasterCard benefits?
Alabama Credit Union Bama MasterCard provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Alabama Credit Union Bama MasterCard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Alabama Credit Union Bama MasterCard has a variable purchase APR that ranges from 11.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 11.9% up to 17.9%. It also has a variable cash advance APR that ranges from 11.9% up to 17.9%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Alabama Credit Union Bama MasterCard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0.9% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.9% - 17.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Alabama Credit Union Bama MasterCard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Alabama Credit Union Bama MasterCard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $20 . Does Alabama Credit Union Bama MasterCard have a foreign transaction fee?
Alabama Credit Union Bama MasterCard charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Alabama Credit Union Bama MasterCard?
The customer service number for Alabama Credit Union Bama MasterCard is (888) 817-2002.
What is the support contact email for Alabama Credit Union Bama MasterCard?
The support contact email for Alabama Credit Union Bama MasterCard is administration@alabamacu.com.
How do people rate the customer service and user experience of Alabama Credit Union Bama MasterCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alabama Credit Union Bama MasterCard report your account activity to credit bureaus?
Yes, Alabama Credit Union Bama MasterCard reports to the following credit bureaus:
- 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 build your credit.
Does Alabama Credit Union perform a hard credit pull?
Yes, Alabama Credit Union Bama MasterCard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Alabama Credit Union Bama MasterCard
- Visit the website of Alabama Credit Union Bama MasterCard.
- 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.
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.
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
Other Services by Alabama Credit Union
Other Credit Cards from Alabama Credit Union
Rating not yet determined
Purchase APR
8.9% - 12.9%
Disclaimer popup with additional information
Balance Transfer APR
8.9% - 12.9%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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Alabama Credit Union Bama MasterCard Community Reviews
Would you recommend Alabama Credit Union Bama MasterCard to your friends?
SR
Samuel R.
Jun 29, 2022
May or may not recommend
I have used Alabama Credit Union for checking, savings, and credit, but this review is specifically about the Bama MasterCard. Throughout my five years of using ACU, I have enjoyed no fees on my account and tools such as spending limits, budgets, and up-to-date credit scores. The rates on the credit cards are below average if you qualify and have no annual fees as well as some decent benefits. These ...Show More
Showing 1 of 1 reviews
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