Used wisely, a credit card can be a smart financial tool. Alabama Teachers offers a variety of Platinum Visa® Credit Card programs, giving you access to credit whenever and wherever you need it. We also offer competitively low APRs, no annual fees, and a 25-day interest-free grace period. Plus, cash in with exclusive ScoreCard® Bonus Rewards!


All Alabama Teachers Credit Union Visa® Credit Cards include:

  • Exclusive ScoreCard® Bonus Rewards Program
  • Cruise and vacation packages
  • 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

We offer a variety of different cards so you can find one that meets your specific needs!

Visa® Platinum Premier

  • Low 9.90% APR
  • Credit Score: 660 and Up
  • Up to $1,000,000.00 in travel accident insurance

Visa® Platinum Plus

  • Low 10.90% APR
  • Credit Score: 620 - 659
  • Up to $500,000 in travel accident insurance

Visa® Platinum

  • Low 11.90% APR
  • Credit Score: 619 or Less
  • Up to $250,000 in travel accident insurance

Programs, rates, terms, and conditions are subject to change without notice.
Visa® Purchase Alerts

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 include:

  • 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
  2. Check to see if your card is eligible.1
  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.
1 Not all card issuers will allow cards for SMS message alerts.  Message and data rates may apply.
Current Promotion

Zero worries.

Until March 31st take advantage of a low 0% introductory APR* on new Alabama Teachers Credit Union Visa® Credit Cards for six months & 0% APR* on ANY balance transfer for six months for new & existing card holders.

As always, no annual fee & no balance transfer fee. 

*Zero percent (0%) introductory Annual Percentage Rate (APR) for the first six (6) monthly billing cycles.  After the introductory rate expires, the APR will be 9.90 - 11.90% based upon each individual borrower's credit history and other underwriting factors.  Balance transfers between ATCU Credit Card accounts do not qualify for the 0% APR on balance transfer promotion.  All rates, programs, terms and conditions are subject to change without notice.  Must meet membership and credit requirements.  For more information, contact an ATCU loan officer at (800)470-0704.

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