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Visa Credit Cards

Visa® credit cards

If you’re not carrying an ALEC Visa card, you're missing out.

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ALEC Visa Credit Card Benefits

With an exceptional 12-month, no-interest APR*, you could be saving lots of money.

Choose from Visa cards featuring different privileges — all with no annual fees, 24/7 fraud monitoring, contactless technology, and the EMV microchip for enhanced security.

Each ALEC Visa card features a 0% intro APR* for 12 months on purchases and balance transfers.1

Visa Signature Rewards™

The ALEC Visa Signature Rewards card, allows you to maximize the number of CURewards® points you earn. Receive 20,000 bonus points if you spend $2,000 within the first 90 days.

Select Rewards™ Visa

With our ALEC Select Rewards Visa, you’ll earn one CURewards point for every dollar purchased. You might be surprised how quickly your accumulated points can become a sizable cash reward.

Select™ Visa

If you carry a balance from month to month, the ALEC Select Visa card can save you a lot of extra money. Over time, that’s savings you can use for other things you really want.

Student Visa

For students looking to build credit, we offer two cards. Earn points towards cash back, merchandise and more with our Student Select Rewards Visa, or enjoy our lowest rate card, our Student Select Visa.

Maximum Reward Opportunities

Visa Signature Reward

The ALEC Visa Signature Rewards card, allows you to maximize the number of CURewards points you earn. Receive 20,000 bonus points if you spend $2,000 within the first 90 days.

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 16.20% — 17.20%3.

No Annual Fees

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Points for every dollar spent

Select Rewards Visa

With our ALEC Select Rewards  Visa , you’ll earn one CURewards point for every dollar purchased. You might be surprised how quickly your accumulated points can become a sizable cash reward. Plus, get 10,000 bonus points if you make $1,000 in purchases within the first 90 days your account is opened.†

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 14.20% — 23.20%3.

No Annual Fee

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Lowest Rate Card

Select Visa

If you carry a balance from month to month, the ALEC Select Visa card can save you a lot of extra money. Over time, that’s savings you can use for other things you really want.

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 12.20% — 21.20%3.

No Annual Fee

Apply Now
Credit Options for Students

Student Select™ Visa Cards

For students looking to build credit, we offer two cards. Earn points towards cash back, merchandise and more with our Student Select Rewards Visa, or enjoy our lowest rate card, our Student Select Visa.

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 16.20% — 18.20%3.

No Annual Fees

Apply Now

Looking to Build or Repair your Credit?

If you are looking to build or rebuild your credit history, our Visa Secured card is an excellent option. Secure your card with as little as $250 or as much as $2,500 in an interest-bearing savings account to enjoy this low-rate card.

Learn More

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.

Have questions? We're here to help.

Contact Us Online

Visit a Branch

Call 800.762.9988

* 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.
1. Promotional period from July 1st – August 31st, 2025. Bonus points will only be awarded in eligible retail categories, including clothing stores, department stores, discount stores, office supply stores, sports stores, electronic stores and book stores. All other retail categories are not eligible for bonus points. Promotion available for new and existing ALEC Visa® cardholders enrolled in CURewards only. Points will be posted on your first statement after you make eligible transaction(s). Bonus points are not transferable. Loans subject to credit approval.
2. A balance transfer fee of 2% of the amount of the transfer will apply.
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%.