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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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get your finances in balance.

Ring in the new year with savings by transferring your high-interest balances to your ALEC Visa credit card.1 Plus, there’s no balance transfer fee, so your savings begin immediately!

  • Transfer your high-interest debt to a low 3.99% APR*
  • Pay NO balance transfer fee
  • Enjoy this low rate for 12 months

To start transferring your balances, stop by any ALEC Branch or give us a call at 800.762.9988.

1. The promotional rate is valid on balance transfers made January 1st, 2026 through February 28th, 2026. Remaining promotional balances after the 12 month promotional period will revert to the following: for fixed 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 11.45% and 22.45% APR. Promotional rate is not valid on accounts with a current introductory offer. Balances on current ALEC Visa cards or loans 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.

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.2

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 Fee

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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

Apply Now
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 ALEC Mobile App 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:

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.
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.  of September 30, 2025, the Prime Rate is 7.25%. The rate floor is 4.00%.