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 rental insurance, access to a concierge, extended warranty protection on purchases, 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 and 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. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty and price protection on purchases. 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.

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

What are the Alabama Credit Union Bama Credit Card benefits?

Alabama Credit Union Bama Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Zero fraud liability
• 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%.

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 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 score.

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.