Credit Card

A credit card that works for you

Did you know there are more than 450 million credit cards in circulation in the U.S. right now? That’s because credit cards make life easier — they make shopping easier, traveling easier, paying for Netflix easier and we could go on and on. But you get the point.


Thing is, people use credit cards in very different ways. Some folks love to rack up points, others enjoy the discounts, while still others use their credit cards to carefully track spending. The good news is we have several different credit card options, so you can find the card that’s just right for you.


Before we drill down into the details of each card, we’ll start out by letting you know all Alabama Rural Electric Visa® credit cards — which are issued and serviced right here at home — come with the following:

  •     Free account access using Home Branch - available after MERGE WEEK
  •     Free rewards access at alabamaonerewards.com
  •     EMV chip card for security
  •     Identity theft resolution services
  •     Cash advance options
  •     Text alerts - available after MERGE WEEK

 

Transcend VISA® Credit Card

Our Transcend VISA® credit card is perfect for everyone, with rates as low as 12.99% APR * and Breakaway Loyalty Rewards points earned for every dollar spent on retail purchases. Saving money is now in reach!

  • Earn 1 point for every $1 you spend. Points can be used for gift cards, mechandise, travel and more
  • Use you rcard at millions of places around the corner, online all over the world.
  • Track your purchases online so you can see them all itemized in one convenient place - whenever you want.
  • No annual fee
  • Affordable fixed rate of 12.99% APR*
  • Issued and serviced by Alabama ONE Credit Union
  • No balance transfer fee
  • No cash advance fee

Apply Now!

 

VISA® Signature Milesstone credit card

Our premier VISA® Signature Milestone credit card is loaded with perks. Earn exceptional rewards plus dozens of Visa Signature® benefits:

  • Earn 1.5 points for every $1 you spend. Redeem them for your choice of great rewards, including gift cards, merchandise, travel and more.
  • Get premium benefits at a collection of the world’s finest properties with the Visa Signature® Luxury Hotel Collection.
  • Get up close and personal at once-in-a-lifetime sporting events with discounts and special ticket packages.
  • Enjoy exceptional savings, free shipping and more at the places you love to shop.
  • No annual fee
  • Affordable variable rate as low as 8.99% APR*
  • Issued and serviced by Alabama ONE Credit Union
  • No balance transfer fee
  • No cash advance fee

Apply Now!

 

VISA® Business Rewards credit card

Our VISA® Business Rewards credit card has everything you want in a business credit card and earns rewards with every purchase. It’s a convenient and powerful purchasing tool for your business:

  • Earn 1 points for every $1 you spend. Redeem them for your choice of great rewards, including gift cards, merchandise, travel and more.
  •     Enjoy exceptional savings, free shipping and more at the places you love to shop.
  •     No annual fee (with 6 or more annual transactions)
  •     Affordable variable rate as low as 11.74% APR*
  •     Limits up to $50,000
  •     Identity theft resolution services
  •     Fast cash advance options
  •     Free balance transfers
  •     Issued and serviced by Alabama ONE Credit Union

Apply Now!

 

Education is Everything. Learn more about credit cards and how they work now.

*APR = Annual Percentage Rate. Rate will be determined by member’s creditworthiness. The Credit Union reserves the right to refuse to process, or block, transactions originating in countries of concern. The list of countries of concern is subject to change at any time without advance notice.

To report a lost or stolen ATM, DEBIT, or CREDIT CARD please call the following numbers:

For ATM/DEBIT CARDS call 1-866-209-7037

For CREDIT CARDS call 1-800-325-3678

Your credit score is an important part of your financial life. When you apply for a credit card, mortgage, car loan, mobile phone or even a power hookup, your credit rating is checked. Depending on your credit score, lenders will determine your credit worthiness. Learn more about your credit score and what it means to you by visiting AnnualCreditReport.com.