ALEC Visa Select Credit Card

Take advantage of our lowest interest rate Visa® credit card

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0% intro APR icon

0% intro APR

Take advantage of a 0% introductory APR* for the first 12 months on purchases and balance transfers**

No annual fee icon

No annual fee

We don't charge you an annual fee to take advantage of low interest rates

24-hour Customer Service icon

24-hour support

Get assistance at any hour of the day with 24/7 member service and support

Enhanced security icon

Enhanced security

Our cards have both a contactless option and EMV microchip security built in

Christmas Shopping; Visa Balance Transfer

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!

Don't have an ALEC Visa® card? Apply online today or visit any Service Center.

*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™ Visa® Credit Card

ALEC Visa Select Credit Card

Make your life a little easier - and more affordable - with the Select™ Visa® Credit Card.

  • 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 7.95 - 16.95%.

Included With All Cards

  • Red Check Icon Auto Rental Collision Damage Waiver
  • Red Check Icon Travel and Emergency Services***
  • Red Check Icon Travel Accident and Baggage Delay Insurance
  • Red Check Icon Warranty Manager
  • Red Check Icon 24-Hour Support
  • Red Check Icon Online Account Access
  • Red Check Icon Make a Payment Through Visa® Online
  • Red Check Icon Visa® E-Statements

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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.
    • ALEC wants your next trip to be as hassle-free as possible. You can also notify us by calling 24/7 to 800.762.9988, sending a secure message through Online Banking or stopping by any Service Center.


* 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.