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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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No Fee Balance Transfers

start the new year with a better rate.

Now’s the perfect time to start saving money by you transferring your high balances to your ALEC VISA® card with a 3.99% APR*. There’s no balance transfer fee, so your savings begin immediately.

Don’t have an ALEC Visa® credit card? Apply online, use the ALEC Mobile app, call us 24/7 at 800.762.9988, or speak with a Member Service Representative in person at any ALEC Service Center.

* APR = Annual Percentage Rate. The promotional rate is valid on balance transfers made 1/1/2024 through 2/29/2024. 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 13.20% and 24.20% 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.
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ALEC Visa® Credit Card Benefits

With an exceptional 12-month, no-interest APR1, 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 5,000 bonus points if you spend $1,000 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 Rewards

The ALEC Visa® Signature Rewards card, allows you to maximize the number of CURewards® points you earn. Receive 5,000 bonus points if you spend $1,000 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 2,500 bonus points if you make $500 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

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Credit Options for Students

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®.

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

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 Service Center

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 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 December 30, 2022, Prime is 7.50%.