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Student Visa®


Two cards that get high marks for helping college students.

At ALEC, we think hard-working college students deserve a great deal of credit — and a great deal on credit. 

Our Student Visa® comes with a competitive, low rate. Plus up to a $1,000 spending limit to help them establish and build their good credit. 

ALEC offers two types of Visa® cards for college students. The first features our lowest APR that can save on interest charges. The other earns points that can be redeemed for cash back awards, as well as travel, merchandise and gift card rewards. 


The Student Select Visa® features: 

  • 1.95% introductory APR for the first twelve months* 
  • Variable APR as low as 12.95% after the introductory period 
  • No annual fee or inactivity fees 
  • No balance transfer fee 
  • EMV microchip for greatly enhanced security when used with chip-enabled terminals and ATMs


The Student Select Rewards Visa® features: 

  • 1.95% introductory APR for the first twelve months*
  • Variable APR as low as 14.95% after the introductory period 
  • 2,500 point bonus if you make $500 in purchases within the first 90 days your account is opened†
  • Earn 1 point for each dollar spent on all purchases
  • Points can be redeemed for cash back awards, as well as travel, merchandise and gift card rewards
  • Earn extra points at participating local and national merchants through CURewards Mall – either online or in-store
  • No annual fee or inactivity fees 
  • No balance transfer fee 
  • EMV microchip for greatly enhanced security when used with chip-enabled terminals and ATMs


Ready to apply? We make it fast and easy. Apply online, via the ALEC Mobile App, at any ALEC Service Center, or by phone at 800.762.9988.


View New Cardholder Solicitation Application Disclosure

View Cardholder Agreement

Click here to view our current rates.


Account Type Introductory Rate APR* as low as
Student Select™ Visa®
1.95% APR 12.95%
Student Select Rewards™ Visa®
1.95% APR 14.95%



*APR Annual Percentage Rate. All credit cards subject to credit approval. See credit card application ans solicitation disclosure for rate and fee information. 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. $50 cash award for 5,000 CURewards points. Maximum $250 cash award annually. Cash advances are excluded. New Cardholders only.

A great credit card has a way of making student life a little easier. 

The Student Select Visa® and Student Rewards Visa® comes with a variety of outstanding benefits designed to save money, provide special conveniences, and ensure maximum peace of mind.


Auto Rental Collision Damage Waiver. 

You can deny insurance by rental agencies and still receive reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.


Travel and Emergency Services. 

This coverage includes assistance with emergency messages, emergency ticket replacement, plus medical and legal referrals, prescription help, lost luggage service and more.


Travel Accident & Baggage Delay Insurance. 

For domestic and international travel, this insurance covers accidental death and dismemberment, as well as a baggage delay benefit that reimburses you for the emergency purchase of essential items. Coverage also applies to family members if the card was used to purchase their tickets.


Warranty Manager. 

Through one convenient service, you can register products and extend the manufacturer’s warranty protection period. 


24-Hour Customer Service. 

Wherever you are, round-the-clock assistance is only a phone call away. 


Online Account Access.

Access your credit card information through Visa Online to check recent and pending transactions, view statements, make account inquiries, request card replacement and more. 


Make a Payment.

Make a payment through Visa Online using funds in your ALEC account, or from an account at another financial institution.


Visa E-Statements.

Receive your monthly credit card statements electronically. It's faster than paper statements sent by U.S. mail, more secure and better for the environment.

Interested in saving more money? If you’re currently paying a higher rate on a loan at another financial institution, consider refinancing it.

This convenient loan comparison tool makes it easy to determine whether refinancing with ALEC makes sense for you.

Loan Saver® allows you to enter your current information, and then shows you how much money you could save with a loan from us.


* APR = Annual Percentage Rate. 1.95% APR on purchases and balance transfers valid the first 12 months the account is open. Rate then reverts to assigned variable account rate. 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 transferrable. CURewards Points to cash back option available on Select Rewards Visa only. Maximum $250 cash award annually.