Alabama Credit Union Bama MasterCard
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 11.9% - 17.9% |
| Balance Transfer APR (Variable APR) | 11.9% - 17.9% |
| 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
- 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.
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. 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 $10 back in cash.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
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?
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?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0.9% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 11.9% - 17.9% |
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?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1.1% |
| Late Payment Fee | $20 |
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 have a foreign transaction fee?
Alabama Credit Union Bama MasterCard 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 foreign transaction fees.What is the customer service phone number for Alabama Credit Union Bama MasterCard?
The Alabama Credit Union Bama MasterCard customer service number 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.
What is the Alabama Credit Union Bama MasterCard login page?
You can access the Alabama Credit Union Bama MasterCard login page here.
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 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.
Contact
- Headquarters
-
220 Paul W Bryant Drive East
Tuscaloosa, AL 35401 USA - (888) 817-2002
- Visit Site
- Email Support
About Alabama Credit Union Bama MasterCard
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 1.1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Late Fee Amount | $20 |
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