0% intro APR
Take advantage of a 0% introductory APR for the first 12 months on purchases and balance transfers**
Earn extra points
Earn extra points at participating local and national merchants through CURewards® Mall, either online or in-store
No annual fee
We don’t charge you an annual fee to take advantage of low interest rates
Our cards have both a contactless option and EMV microchip security built in
Visa® Balance Transfer
Get your finances in balance. Just transfer balances to your ALEC Visa® card.
Simply transfer your balances from other credit cards to an ALEC Visa® card to receive 1.95% APR* on balance transfers made from January 3 through February 28, 2022. This special low rate is for 12 months after the balance is transferred and has no balance transfer fee!
*APR = Annual Percentage Rate. The promotional rate is valid on balance transfers made 1/3/2022 through 2/28/2022. Remaining promotional balances on the first statement after March 2023 will revert to the following: for fixed rate cards, the standard fixed rate based on the cardholder’s creditworthiness at account opening; for variable rate cards, rates are determined by adding a margin to the Prime Rate. Prime Rate is “prime” as listed in the “Money Rates” section of The Wall Street Journal from the last business day of the previous quarter. Standard variable rate is between 7.95% and 18.95% APR. Promotional rate is not valid on accounts with a current introductory offer. Balances on current ALEC Visa® cards are not eligible to be transferred to a new ALEC Visa® account and receive the promotional rate. All loans are subject to credit approval. Minimum balance transfer amount of $25.00.
More about your Select Rewards™ Visa® Credit Card
Spending is a little sweeter when you earn rewards with your Select Rewards™ Visa® Credit Card.
- Enjoy low interest rates
- When you first receive your card, you’ll be able to enjoy 0% APR* for the first 12 months. During this time, you won’t receive any interest charges on your purchases or balance transfers.**
- Once your 0% APR* expires, you’ll receive a low variable APR* starting as low as 9.95 - 18.95%.
- Earn rewards on your purchases
- Get 2,500 bonus points if you make $500 in purchases within the first 90 days your account is opened.†
- Earn one CURewards® point for every dollar purchased. For example, receive a $50 cash award by redeeming 5,000 CURewards® points.
- Redeem your points for valuable merchandise, travel awards and gift cards at national merchants.
Included With All Cards
- Auto Rental Collision Damage Waiver
- Travel and Emergency Services***
- Travel Accident and Baggage Delay Insurance
- Warranty Manager
- 24-Hour Support
- Online Account Access
- Make a Payment Through Visa® Online
- Visa® E-Statements
Manage Your ALEC Credit Card
Managing your card is easier than ever with our new Credit Card Valet app. Just a few of the great benefits include:
- Lock and Unlock your card at any time, for any reason.
- Report your ALEC Visa® Credit Card as lost or stolen.
- To contact Visa®, please call 800.449.7728 to report it immediately. If you are international, please contact us.
- Your ALEC Visa® card comes with worry-free protection. Should any unauthorized transactions occur on your card within the Visa® network, you’re 100 percent covered against fraudulent activity — with zero liability on your part.
- Notify us of your travel plans to prevent any temporary card suspension or purchases being denied.
* APR = Annual Percentage Rate. 0% APR on purchases and balance transfers, valid the first 12 months the account is open. Rate then reverts to the assigned variable account rate. All credit cards subject to approval.
** All balance transfers are subject to a 2% balance transfer fee.
† Bonus points will be posted on your first statement after meeting the requirement. If the total posted transactions are not met within 90 days of account opening, no bonus points are awarded. All credit cards must be in good standing at time of posting. Bonus points are not transferable. Maximum $250 cash award annually.