All posts by Leonard Kreicas

Alabama Credit Union Mastercard

Bama Credit Card

Save on a balance transfer with a new Bama Mastercard  offering an introductory 0.9% APR good for 12 months.

Or go for the no-frills Traditions Mastercard with its low APR of 8.99% to 12.99% on a continuing basis.

The Bama card features cash back on purchases, while Traditions card gives a better rate for card holders who decide to carry a monthly balance. Otherwise both cards very similar benefits and features. You compare the two versions HERE, along with the Secured and Student versions.


You don’t pay for hidden fees such annual fees or balance transfers, because the Alabama Credit Union doesn’t charge its members for credit card expenses such as:

  • NO annual fee
  • NO balance transfer
  • NO cash advance fee
  • NO interest charges on purchases on statements paid in full

Fees and rates are available as a disclosures pdf file.


Card holders get the full benefits which Mastercard is well-known for, such as:

  • Cell Phone Protection
  • Identity Theft Resolution Services
  • Extended Warranty
  • Zero Liability Protection
  • Auto Rental Insurance
  • MasterCard Airport ConciergeTM
  • MasterCard® SecureCodeTM
  • MasterCard Global ServiceTM

For a more detailed explanation and guide visit Mastercard Guide To Benefits.


If you’re interested about applying for the card, you must first become a member of the Alabama Credit Union as explained here.

For people outside of the local field of membership, joining the wonderful Secret Meals Association by filling out its membership application would qualify you for the credit card. Donations are tax-deductible and the entire amount benefits the children per its website.

“Checks made out to Secret Meals or Alabama Credit Union Foundation, Inc., are tax deductible to the fullest extent of the law. Please check with your tax consultant.”

“To allow as many children to receive food packs as possible, Alabama Credit Union provides all promotional and operational funding for the Secret Meals program, meaning 100 percent of every penny donated goes toward the purchase of food packs.”


To find out more about membership and joining contact their Member Care Center at 888.817.2002 or complete their online form.

NHL Discover Card Benefits and Features

NHL Discover Card

NHL Discover Card 5% cash back categories changed beginning April 1

From April 1 to June 30 Discover cardholders now earn 5% cash back rewards

  • at gas stations
  • with Uber and Lyft
  • at wholesale clubs such as Costco

With recent surge of people staying at home wholesale clubs might offer great places to find popular items such as exercise equipment, indoor games, garden items, computers, appliances, and such.

Take note that after a $1,500 quarterly spend the rewards rate drop down to 1%.

Another incentive for new cardholders is that the Discover NHL card automatically doubles all the cash back on net purchases at the end of your first year only as a lump-sum bonus to the account. That 5% cash back becomes 10% savings.

New account holders also receive 0% financing on their purchases, on top of the rewards. However a minimum payment amount is due every month.

Unlike many other cash rewards credit cards, you can redeem the rewards for an account credit with no minimum amount necessary to reach before cashing them in.

Other features include:

  • No annual fee
  • The rewards never expire
  • Use your cash back instantly at checkout
  • $0 Fraud Liability Guarantee
  • Free overnight shipping for card replacement
  • No late fee for your first late payment
  • Paying late won’t raise your APR
  • Track recent FICO® Credit Scores for free
  • No foreign transaction fee

Apply here for your NHL credit card.