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  Alabama Credit Union Traditions Credit Card

Alabama Credit Union Traditions Credit Card

in Personal Credit Cards from Alabama Credit Union

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Alabama Credit Union Traditions Credit Card

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in Personal Credit Cards from Alabama Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 8.90% - 12.90%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 8.90% - 12.90%

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.

  • 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.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Alabama Credit Union Traditions Credit Card reports to multiple credit bureaus.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • 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%.

Does Alabama Credit Union Traditions Credit Card have an introductory APR offer on balance transfers??

No, Alabama Credit Union Traditions Credit Card does not come with an introductory APR offer for balance transfers.

Does Alabama Credit Union Traditions Credit Card have an introductory APR offer on new purchases??

Alabama Credit Union Traditions Credit Card does not offer an introductory rate on new purchases.

What are the Alabama Credit Union Traditions Credit Card fees?

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

Alabama Credit Union Traditions Credit Card Fees
Fees Amount
Annual Fee up to $0
Foreign Transaction Fee 1.1%
Late Payment Fee $20

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

Alabama Credit Union Traditions Credit Card 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 a foreign transaction fee.

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 score.

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.

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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 Credit Card

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual 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 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type Low Interest
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Cellular Telephone Protection
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 8.90% - 12.90%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 8.90% - 12.90%
Balance Transfer APR (Variable APR) 8.90% - 12.90%

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Alabama Credit Union Personal Credit Cards

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Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

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Balance Transfer APR 11.90% - 17.90%
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Annual Fee $0 Annual Fee
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(Variable APR)
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