Alabama Credit Union Traditions MasterCard

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

• 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

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.

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?

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.

What are the fees for Alabama Credit Union Traditions MasterCard?

The following fees apply:

• There is no overlimit fee

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 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.