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. This review will provide you with with all the details you need 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 MasterCard has a variable 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 1.1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, 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 your credit score is above 650.

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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the Alabama Credit Union Bama MasterCard benefits?

It 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?

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.

What are the fees for Alabama Credit Union Bama MasterCard?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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

Yes, Alabama Credit Union Bama MasterCard 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 MasterCard

• Visit the Alabama Credit Union Bama MasterCard 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.