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Take Our Credit Card Challenge!

Compare our current rate to yours:
Variable Rate Milestone® Card as low as 10.99% APR*
Fixed Rate Transcend® Card 12.99% APR*

Apply Now!

TWO WAYS TO WIN $500!

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Credit Card Challenge Giveaway


We’re giving away a $500 gift card to one member each month.**
Cardholders receive one entry each time you:

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Swipe to Win Giveaway

 

We’re giving away $500 gift card to one member each week.***
Cardholders receive one entry each time you:

  • Swipe your Alabama ONE Credit Card
  • Tap your Alabama ONE Credit Card
  • Pay for anything with your Alabama ONE Credit Card
  • Business cards are excluded.**

         No purchase necessary. 

       Official Rules

Can We Save You Money?

Did you know you'll pay almost 2X as much in interest with the average variable credit card rate of 19.20% APR than on Alabama ONE's variable credit card?†

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Total interest amount is based on a balance of $5,000 paid off over 36 months.
†Average credit card rate and payment amount calculations source: bankrate.com, as of 12/5/2022.

In addition to great rates, our cards offer other great benefits:*

  • Easy and convenient contactless pay options, including tap-to-pay, Apple Pay, and Google Pay

  • 1 reward point per $1 you spend with our Transcend card; 1.5 reward points per $1 you spend with our Milestone card

  • Use your card at millions of places around the corner, online, and all over the world

  • No annual fee, no balance transfer fee & no cash advance fee 

 

Apply today if your credit card is too high.

Find out if we can save you money with a lower rate by applying today.

Apply Now!

What's Your ONE?

*Membership eligibility required, $5 membership fee and subject to credit approval. Rate will be determined by member's creditworthiness.  Reward points apply towards balance transfers and purchases. We reserve the right to amend the Credit Card Agreement as permitted by law.  To earn credit card rewards, register at www.CURewards.com. Variable Rate Milestone Card may range from 10.99% to 17.99% APR, depending on credit qualifications. Credit card rewards points are given 1.5 points per dollar on the Milestone® card.  Minimum approved amount $5,000. Fixed Rate Transcend Card fixed rate at 12.99% APR. Credit card reward points are 1 point per dollar on the Transcend card. Minimum approved amount $1,000.

**Credit Card Challenge Giveaway rules: One (1) chance for opening a new credit card account, activating a card, or having your credit limit raised for an ARECU or Alabama ONE personal Credit Card—business cards excluded; winner receives one (1) $500 gift card; contest expires March 31, 2023; one (1) prize per winner; no purchase necessary. Contest period from 8:00 AM CST, 2/1/23 to 11:59 PM CST on 3/31/23. 

***Swipe to Win Giveaway rules: One (1) chance for every time you use your ARECU or Alabama ONE personal Credit Card—business cards excluded; no purchase necessary; contest expires March 31, 2023; one (1) prize per winner; winner receives one (1) $500 gift card. Contest period from 8:00 AM CST, 2/1/23 to 11:59 PM CST on 3/31/23. 

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