Tag Archives: Rewards

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.

BENEFITS AND FEATURES

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

MASTERCARD BENEFITS

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

MEMBERSHIP

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.”

CONTACT INFO

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

VeraBank World Mastercard

VeraBank Credit Card

Originally established as the Citizens National Bank, today VeraBank is dedicated to serve as the preferred financial services provider in its marketplace.

With its deep community bank roots and independent spirit, VeraBank offers

  • outstanding service
  • relevant products and efficient channels
  • the best and brightest bankers in its communities

Ultimate customer satisfaction and care sets VeraBank from the others, as explained by the guiding principles established from its very inception.

In the old days in this part of the country, if you had a cow, a sow, and a hen, you could survive.

From the cow came the milk and butter; from the sow the bacon, lard, and hams; and from the hen, eggs.

As East Texas became more and more affluent, we reminded ourselves and our customers – “Don’t forget the cow, the sow, and the hen.”

cow, sow, hen

Read the terms and benefits below carefully to judge whether the VeraBank Mastercard should be part of your financial well-being.

Introductory Offer
  • 2.90% APR on purchases and balance transfers during the first 6 months
Rewards
  • Get one point for every eligible $1 spent on your credit card
  • Flexible Rewards Options
    • Travel
    • Cash
    • Merchandise
    • Retail Gift Cards
Interest Rates as Annual Percentage Rate (APR)
  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 15.24%
  • Balance Transfers: 15.24%
  • Cash Advances: 15.24%
Fees
  • Annual Fee: none
  • Balance transfers: 3% ($10 min)
  • Cash Advances: 3% ($10 min)
  • Foreign transaction: 2%
  • Late penalty: $25
Free Benefits
  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Add authorized users for free, but they don’t pay for their charges
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For application and important details visit the VeraBank credit card web page.