Alabama Credit Union Traditions Credit Card Review

Alabama Credit Union Traditions Credit Card is a credit card issued by Alabama Credit Union. If you're wondering whether Alabama Credit Union Traditions Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Competitive APRs. Alabama Credit Union Traditions Credit Card has a variable purchase APR that ranges from 8.90% up to 12.90%.
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 access to a concierge, extended warranty protection on purchases, price protection, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Alabama Credit Union Traditions Credit Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. Access to a concierge. Extended warranty and price protection on purchases. Alabama Credit Union Traditions Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1.1%. You don't earn rewards on every purchase.

Is there a Alabama Credit Union Traditions Credit Card cash back or rewards program?

No, Alabama Credit Union Traditions Credit Card does not offer a rewards program.

What are the Alabama Credit Union Traditions Credit Card benefits?

Alabama Credit Union Traditions Credit Card provides the following benefits:

• 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 Traditions 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 Traditions Credit Card has lower than average purchase APRs.

Alabama Credit Union Traditions Credit Card has a variable purchase APR that ranges from 8.90% up to 12.90%. The card has a variable balance transfer APR that ranges from 8.90% up to 12.90%. It also has a variable cash advance APR that ranges from 8.90% up to 12.90%.

What are the fees for Alabama Credit Union Traditions Credit Card?

The following fees apply to Alabama Credit Union Traditions Credit Card:

Alabama Credit Union Traditions Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1.1%
Late Payment Fee	$20

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

Alabama Credit Union Traditions 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.

How to apply for Alabama Credit Union Traditions Credit Card

• Visit the Alabama Credit Union Traditions 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.