0% intro APR
Take advantage of a 0% introductory APR* for the first 12 months on purchases and balance transfers**
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
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 Student Visa® Cards
College students deserve a great deal of credit, and a great deal on credit. Our Student Visa® cards come with a low rate and low spending limit to help establish and build credit.
- 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 11.95%.
- 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 13.95%.
- Earn 1 point for each dollar spent on all purchases.†
- 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.
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.
- 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 assigned variable account rate
** 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.
† 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.