Credit Cards

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 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
  •     Free rewards access at alabamaonerewards.com
  •     EMV chip card for security
  •     Identity theft resolution services
  •     Cash advance options
  •     Text alerts

Slow Down Your Interest Rate

Take advantage of great rates and cash-back rewards.

  • 0% APR* for six months (8.24 to 17.99% APR afterward)
  • $0 Annual fees
  • Cash-back rewards
  • No closing costs

If you already have an Alabama ONE Credit Card, call (800) 225-0110 and select option 3 to contact our TEAM and take advantage of this special offer. If you are a current member and don't have an Alabama ONE Credit Card, apply now.

Federally insured by NCUA. Equal Housing Opportunity.
*Member eligibility required and subject to credit approval. Application must be received by April 30, 2022 to be eligible for the promotion. If you transfer a balance with this offer, interest will be charged at an introductory rate of 0% APR on the transfer balance for the first six (6) months. After that, your balance transfer is subject to your standard APR rate. Maximum rate many range from 8.24% - 17.99% depending on credit qualifications. Minimum approved amount $1,000. To earn credit card rewards, register at www.alabamaonerewards.com. Credit card rewards points are given 1 point per dollar on the Transcend card and 1.5 points per dollar on the Milestone card. Reward points apply towards balance transfers and purchases. APR = Annual Percentage Rate. Rate will be determined by member's credit worthiness. We reserve the right to amend the Credit Card Agreement as permitted by law.

Transcend Platinum Mastercard® Credit Card

Our Transcend Platinum Mastercard® Credit Card is perfect for everyone, with rates as low as 12.99% APR * and reward points earned for every dollar spent on retail purchases. Saving money is now in reach!

  • Earn 1 points for every $1 you spend. Points can be used for gift cards, merchandise, travel and more
  • Use your card at millions of places around the corner, online and 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!

 

Milestone World Mastercard® Credit Card

Our premier Milestone World Mastercard® Credit Card is loaded with perks. Earn exceptional rewards plus dozens of 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.
  • Mastercard Travel & Lifestyle Services provide top savings and benefits in air, hotel, car rental, cruise, and more..
  • Mastercard Golf provides discounted access to golf courses, complimentary grounds passes for PGA Tournaments, & access to golf travel passes
  • Enjoy exceptional savings and more from Lyft, DoorDash, ShopRunner, & HelloFresh
  • 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!

 

Mastercard BusinessCard® Credit Card

Our Mastercard BusinessCard® 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.
  • Mastercard Easy Savings' Program merchant-funded rebates for small business cardholders to over 45,000 merchants
  • No annual fee (with 6 or more annual transactions)
  • Affordable variable rate as low as 12.24% APR*
  • No change to interest rates
  • 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.

1. Certain restrictions apply. For details, see Guide to Benefits.
2. Certain restrictions apply. See www.mastercard.us/zero-liability for details.

Mastercard BusinessCard, Priceless and the Mastercard brand mark are registered trademarks and Mastercard Global Service and Mastercard Airport Concierge are trademarks of Mastercard International Incorporated, used pursuant to license.
All third party trademarks referenced are the property of their respective owners.

To report a lost or stolen CREDIT CARD please 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.