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ALEC Select

ALEC Student Visa® Credit Card

Two credit cards for college students that get high marks.

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ALEC Student Visa Benefits

0% intro APR*

Take advantage of a 0% introductory APR* for the first 12 months on purchases and balance transfers.1

No annual fee

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

24-hour support

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

Enhanced security

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

Our Student Visa cards come with a low rate and low spending limit to help establish and build credit.

College students deserve a great deal of credit, and a great deal on credit.

Student Select™ Visa
  • 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* as low as 16.20%.2

Student Select Rewards™ Visa
  • 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* as low as 18.20%.2
  • Earn 1 point for each dollar spent on all purchases.4
  • Redeem points for cash back, travel, merchandise, and gift card rewards.
  • Earn extra points at participating local and national merchants through CURewards® Mall — online or in store.
  • Redeem your points for valuable merchandise, travel awards and gift cards at national merchants.
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Included With All Cards

Auto Rental Collision Damage Waiver

Travel Accident and Baggage Delay Insurance

24-Hour Support

Travel and Emergency Services

Digital Wallet

Warranty Manager

Online Account Access

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 866.820.5788 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 notify us of your travel plans in several ways:

Additional Resources:

Payments & Money Movement

Our online and mobile banking options let you easily make payments and move your money.

Credit Card Valet

Manage your ALEC Credit Card with one easy app on your mobile device.

Digital Wallet

A convenient way to pay for goods and services using your phone.

Card Services

Our credit cards offer maximum convenience, value and security.

Have questions? We're here to help.

Contact Us Online

Visit a Branch

Call 800.762.9988

1. APR is Annual Percentage Rate. Introductory APR is for 12 months after account opening. Introductory APR not available for cash advances or for existing ALEC Visa cardholders.
2. All balance transfers are subject to a 2% balance transfer fee. All credit cards subject to credit approval. Rates subject to credit history, term and other factors. Available to students who are attending an accredited secondary school or who have received an official acceptance letter to one. Students under 21 may require a guarantor.
3. The post-introductory APR varies by credit card and credit history. It also varies with the market based on 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. As of March 31st, 2025, the Prime Rate is 7.50%. The rate floor is 4.00%.
4. 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. CURewards points to cash back option available on Select Rewards Visa only. Maximum $250 cash award annually.