Personal Credit Cards

From low APRs and no fees to bonus rewards and travel points, there’s more to our credit cards than just convenience.

Key Features

  • Competitive Rates
  • Rewards Program
  • Anytime Access
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All Alabama Teachers Credit Union Visa® Credit Cards include:

  • Contactless chip technology
  • CURewards program
  • Special deals and promotions
  • No annual fees
  • 25-day interest-free grace period
  • Balance transfer option
  • No minimum finance charge
  • No transaction fee for purchases
  • Manage your card through Access Point
  • Card transactions can also be accessed through online and mobile banking
  • Or use our ATCU Cards App to manage your card

View the complete Guide to Benefits.  

Access Point Login

We offer two types of cards to meet your specific needs:

Visa® Platinum

  • 9.90% APR*
  • For limits $4,999.99 and below
  • Up to $500,000.00 in travel accident insurance
  • Earn one point for every net dollar** spent

Visa® Signature

  • 9.90% APR*
  • For limits $5,000 and above
  • Up to $500,000 in travel accident insurance
  • Earn one and a half points for every net dollar** spent
  • Redeem reward points for cash back***

Programs, rates, terms, and conditions are subject to change without notice.

*APR equals Annual Percentage Rate.  Stated APR is as low as 9.90%.  Rates may vary based on each individual borrower's credit history and other underwriting factors.

**A net dollar is defined as purchases minus returns.

***Terms and conditions may apply.

Through Visa® Purchase Alerts, ATCU Debit and Credit Cardholders can create an account and receive purchase alerts via text or email for eligible Visa® Cards. 

Benefits

  • Security: Get alerts for transactions in real-time and immediately identify potentially fraudulent activity.
  • Control: Track spending and stay on top of account balances.
  • Convenience: Adjust your alerts to what makes sense for you and receive them via SMS text or email.

Follow the steps below to enroll

  1. Visit visa.com/purchasealerts
  2. Check to see if your card is eligible1
  3. Register your mobile device and email to receive Visa® Purchase Alerts
  4. Choose the notification triggers that match your needs, such as transactions exceeding a set amount

1Not all card issuers will allow cards for SMS message alerts. Message and data rates may apply.

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