Last Updated: 07/28/2025
ALEC Visa® Signature Rewards Credit Card
Unaffiliated
in Credit Cards from ALEC
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.20% - 18.20%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.20% - 18.20%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
ALEC Visa® Signature Rewards Credit Card Review
This is a travel card issued by ALEC. If you're wondering whether ALEC Visa® Signature Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- Plus, get 5,000 BONUS POINTS if you make $1,000 in purchases within the first 90 days your account is opened.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.20% up to 18.20%.
- 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.
- A 2.00% balance transfer fee. ALEC Visa® Signature Rewards Credit Card charges a 2.00% balance transfer during the intro period charges a fee of 2.00% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees after the intro period.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 0.80% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of ALEC Visa® Signature Rewards Credit Card
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ALEC Visa® Signature Rewards Credit Card FAQ
Does ALEC Visa® Signature Rewards Credit Card have a cash back or rewards program?
ALEC Visa® Signature Rewards Credit Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | 1.5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 1.5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does ALEC Visa® Signature Rewards Credit Card have a signup bonus?
Yes. Plus, get 5,000 BONUS POINTS if you make $1,000 in purchases within the first 90 days your account is opened.
Does ALEC Visa® Signature Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the ALEC Visa® Signature Rewards Credit Card benefits?
ALEC Visa® Signature Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for ALEC Visa® Signature Rewards Credit Card?
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.ALEC Visa® Signature Rewards Credit Card has a variable purchase APR that ranges from 17.20% up to 18.20%. The card has a variable balance transfer APR that ranges from 17.20% up to 18.20%. It also has a variable cash advance APR that ranges from 17.20% up to 18.20%.
Does ALEC Visa® Signature Rewards Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0.00% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.20% - 18.20% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does ALEC Visa® Signature Rewards Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0.00% on qualified purchases for a period of 12 months.
What are the fees for ALEC Visa® Signature Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $24.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0.80% - 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does ALEC Visa® Signature Rewards Credit Card have a foreign transaction fee?
ALEC Visa® Signature Rewards Credit Card charges a foreign transaction fee of up to 0.80%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. 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 ALEC Visa® Signature Rewards Credit Card?
The customer service number for ALEC Visa® Signature Rewards Credit Card is (800) 762-9988.
What is the login page for ALEC Visa® Signature Rewards Credit Card?
You can access the login page of ALEC Visa® Signature Rewards Credit Card here.
How do people rate the customer service and user experience of ALEC Visa® Signature Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does ALEC Visa® Signature Rewards Credit Card report your account activity to credit bureaus?
Yes, ALEC Visa® Signature Rewards Credit Card 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 ALEC perform a hard credit pull?
Yes, ALEC Visa® Signature Rewards Credit Card 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 ALEC Visa® Signature Rewards Credit Card
- Visit the website of ALEC Visa® Signature Rewards Credit Card.
- 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
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:30PM