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