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Alabama Credit Union Student Mastercard review

You’ll need to pass a budgeting course before you can apply.

  • Get this card if you’re an Alabama student looking to primarily build credit or pay off existing card debts.
  • Pick something else if you want to earn rewards.
  • Apply with a good credit score of 670 or higher.
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Up to 1%

Cash back


Annual fee

11.9% to 17.9%

Purchase APR (variable)


Intro balance transfer

for the first 12 months (then 11.9% to 17.9% variable)


Annual fee$0
RewardsEach dollar spent on retail purchases earns 1 point, which can be redeemed for cash back
Purchase APR11.9% to 17.9% variable
Balance transfer APR0.9% intro for the first 12 months (then 11.9% to 17.9% variable)
Minimum Credit Score670

Review by

Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The Alabama Credit Union Student Mastercard is a student card for ACU members focused on helping students build credit safely. It requires no annual fee, offers credit limits up to $900, and comes in two varieties: Bama or Traditions.

The Bama card comes with an 11.9%to 17.9% variable APR and an intro 0.9% APR on balance transfers for 12 months. The Traditions card offers a lower ongoing APR at 8.9% to 12.9%, but no intro balance transfer APR.

Both versions of this student card offer 1x points per dollar spent, though we had trouble finding the exact details of how you can redeem these points on the ACU website. Nevertheless, the ACU Student Mastercard still does a fine job helping students build their credit.

In fact, you can’t apply for the ACU Student Mastercard until you’ve completed a small financial budgeting test on the application site. This is something I’d enjoy seeing more of from providers given the importance of financial literacy. A similar test should probably be part of every card application, not just for student cards.

The Alabama Credit Union Student Mastercard’s other defining feature is its low APR, which makes it a comfy card to use if you ever need to carry a balance for a short period. The Bama card’s intro APR for balance transfers is also a nice touch, though given that the intro period APR is 0.9%, I don’t think a true 0% APR period is too much to ask.

The card also comes with a few helpful perks, including cell phone protection, airport concierge and car rental collision damage insurance. Though the Alabama Credit Union Student Mastercard isn’t a rewards powerhouse, the generous terms and additional features make this a more than solid card for ACU members and students.

How to apply for the Alabama Credit Union Student Mastercard

Apply for the ACU Student Mastercard by doing the following.

  1. Go to the provider's site and select Apply now.
  2. Mouse over Credit cards at the top menu bar and select Student credit card.
  3. At the new page choose Apply now.
  4. Select the card you wish to apply for.
  5. Fill out the requested information and hit Continue to complete your application.

Alabama Credit Union Student Mastercard benefits

  • Low APR. The ongoing APR on this card is low for both versions of the card: 11.9% to 17.9% variable for the Bama Card and 8.9% to 12.9% for the Traditions Card.
  • Rewards. You’ll earn 1x point for each dollar spent with this card. Based on the ACU website, it seems only the Bama Card can redeem these points for cash back.
  • Intro balance transfer offer. If you choose the Bama Card, you’ll enjoy a 0.9% intro APR for 12 months. After, your APR reverts to 11.9% to 17.9%.
  • Card perks. This card comes with a few valuable perks, including cell phone protection, car rental collision damage waiver insurance, airport concierge and Mastercard Global Service.

Alabama Credit Union Student Mastercard drawbacks

  • Not a true 0% balance transfer offer. The Bama Card is just short of a complete 0% intro offer on balance transfers. So, even though it’s a small amount, you’ll still build interest on your transferred balance.
  • Low reward rate. Both cards earn just 1x point for each dollar spent. This is somewhat low for student cards in today’s market.

Compare other student credit cards

For a better look at how the Alabama Credit Union Student Mastercard stacks up to the competition, select up to four cards and select Compare to see them side-by-side.

1 - 3 of 9
Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Capital One SavorOne Student Cash Rewards Credit Card
16.49% to 26.49% variable
New to credit
Limited Time Offer: Earn $100 when you spend $100 in the first three months with this student card.
Capital One Quicksilver Student Cash Rewards Credit Card
16.49% to 26.49% variable
New to credit
Earn unlimited 1.5% cash back on every purchase, every day with this student card.
Journey Student Rewards from Capital One
26.99% variable
A student credit card that boosts your cash back for the month when you pay on time.

Compare up to 4 providers

Alabama Credit Union Student Mastercard customer reviews and complaints

Though consumer reviews of the Alabama Credit Union Student Mastercard online are scarce, a few users on Reddit have positive things to say about the Alabama Credit Union, noting excellent customer service and few fees.

The Alabama Credit Union is not accredited with the Better Business Bureau and is rated A+ by the organization as of November 2021. As of the same date, the credit union isn’t listed on Trustpilot.

Bottom line

The Alabama Credit Union Student Mastercard is a comfy pick for a student card thanks to its few fees and low ongoing APR. If you’re looking for big rewards on your purchases however, you’ll want to look at your other student card options from larger providers.

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