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  Alabama Credit Union Traditions MasterCard

Alabama Credit Union Traditions MasterCard

in Personal Credit Cards from Alabama Credit Union

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Alabama Credit Union Traditions MasterCard

Unaffiliated

in Personal Credit Cards from Alabama Credit Union

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Highlights
Purchase APR  (Variable APR) 8.9% - 12.9%
Balance Transfer APR  (Variable APR) 8.9% - 12.9%
Credit Score Range 700 - 850
Annual Fee $0

Alabama Credit Union Traditions MasterCard Review

This is a rewards credit card issued by Alabama Credit Union. If you're wondering whether Alabama Credit Union Traditions 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.

Key Takeaways
  • Competitive APRs. Alabama Credit Union Traditions MasterCard has a variable 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 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 rental insurance, access to a concierge, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Alabama Credit Union Traditions MasterCard
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Alabama Credit Union Traditions MasterCard is accepted.
  • Alabama Credit Union Traditions MasterCard reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.1%.
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.

Alabama Credit Union Traditions MasterCard Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

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?

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 Traditions 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. It has lower than average regular APRs.

It 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?

The following fees apply:

  • There is no overlimit fee
Alabama Credit Union Traditions MasterCard Fees
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 rewards card.

Does Alabama Credit Union Traditions MasterCard have a foreign transaction fee?

Alabama Credit Union Traditions 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 Traditions MasterCard?

The Alabama Credit Union Traditions MasterCard customer service number is (888) 817-2002.

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

Yes, Alabama Credit Union Traditions 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 Traditions MasterCard

  • Visit the Alabama Credit Union Traditions 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.

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.

Contact

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

About Alabama Credit Union Traditions MasterCard

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View all personal credit cards offered by Alabama Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1
Every Purchase (Points) Each dollar spent on retail purchases earns one point.
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.1%
Late Fee Amount $20
Customer Type Personal
Minimum Age 19
Co-signing Allowed
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Concierge
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 8.9% - 12.9%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.9% - 12.9%
Balance Transfer APR (Variable APR) 8.9% - 12.9%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

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