Last Updated: 07/28/2025
Alabama Credit Union Traditions MasterCard
Unaffiliated
in Credit Cards from Alabama Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
8.9% - 12.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
8.9% - 12.9%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$0
Alabama Credit Union Traditions MasterCard Review
This is a rewards card issued by Alabama Credit Union. If you're wondering whether Alabama Credit Union Traditions MasterCard is the right card for you, read on.
Key Takeaways
- APRs: Alabama Credit Union Traditions MasterCard has a variable regular purchase APR that ranges from 8.9% up to 12.9%.
- 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.
- 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.
- Accepts cosigners. Alabama Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- 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.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Alabama Credit Union Traditions MasterCard
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Alabama Credit Union Traditions MasterCard FAQ
Does Alabama Credit Union Traditions MasterCard have a cash back or rewards program?
Alabama Credit Union Traditions MasterCard is a rewards card.
| Description |
Does Alabama Credit Union Traditions MasterCard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Alabama Credit Union Traditions MasterCard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Alabama Credit Union Traditions MasterCard benefits?
Alabama Credit Union Traditions 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 Traditions 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 Traditions MasterCard has a variable purchase APR that ranges from 8.9% up to 12.9%. The card has a variable balance transfer APR that ranges from 8.9% up to 12.9%. It also has a variable cash advance APR that ranges from 8.9% up to 12.9%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Alabama Credit Union Traditions MasterCard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Alabama Credit Union Traditions 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 Traditions MasterCard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 rewards card.
There is a late fee of up to $20 . Does Alabama Credit Union Traditions MasterCard have a foreign transaction fee?
Alabama Credit Union Traditions 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 Traditions MasterCard?
The customer service number for Alabama Credit Union Traditions MasterCard is (888) 817-2002.
What is the support contact email for Alabama Credit Union Traditions MasterCard?
The support contact email for Alabama Credit Union Traditions MasterCard is administration@alabamacu.com.
What is the login page for Alabama Credit Union Traditions MasterCard?
You can access the login page of Alabama Credit Union Traditions MasterCard here.
How do people rate the customer service and user experience of Alabama Credit Union Traditions MasterCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Alabama Credit Union Traditions MasterCard report your account activity to credit bureaus?
Yes, Alabama Credit Union Traditions 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 Traditions 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 Traditions MasterCard
- Visit the website of Alabama Credit Union Traditions 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.
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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