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Alabama ONE & ARECU Credit Cards

Credit Cards

Can we save you money? 

Low rates make a difference.

Compare Alabama ONE’s rates to the cards you use today and see which one is better! 

the right credit card

A credit card that works for you.

With all the credit cards available, it's important to find one that's designed for what you want. People use credit cards in very different ways. Some folks love to rack up points, others enjoy the discounts, while still others use their credit cards to carefully track spending. The good news is we have several different credit card options, so you can find the card that’s just right for you.

Before we drill down into the details of each card, we’ll start out by letting you know all Alabama ONE Mastercard® credit cards — which are issued and serviced right here at home — come with the following:

  • Free account access using Digital Banking
  • EMV chip card for security
  • Identity theft resolution services2
  • Cash advance options
  • Text alerts
transcend credit card

Transcend Platinum Mastercard® Credit Card

Our Transcend Platinum Mastercard® Credit Card is perfect for everyone, with rates as low as 12.99% APR * and reward points earned for every dollar spent on retail purchases. Saving money is now in reach!

  • Earn 1 point for every $1 you spend. Points can be used for gift cards, merchandise, travel and more1
  • Use your card at millions of places around the corner, online and allover the world.
  • Track your purchases online so you can see them all itemized in one convenient place – whenever you want.
  • No annual fee
  • Affordable fixed rate of 12.99% APR*
  • Issued and serviced by Alabama ONE Credit Union
  • No balance transfer fee
  • No cash advance fee
milestone credit card-1

Milestone World Mastercard® Credit Card

Our premier Milestone World Mastercard® Credit Card is loaded with perks. Earn exceptional rewards plus dozens of benefits:

  • Earn 1.5 points for every $1 you spend. Redeem them for your choice of great rewards, including gift cards, merchandise, travel and more.1
  • Mastercard Travel & Lifestyle Services provide top savings and benefits in air, hotel, car rental, cruise, and more.
  • Mastercard Golf provides discounted access to golf courses, complimentary grounds passes for PGA Tournaments, & access to golf travel passes
  • Enjoy exceptional savings and more from Lyft, DoorDash, ShopRunner, & HelloFresh
  • No annual fee
  • Affordable variable rate as low as 13.24% APR*
  • Issued and serviced by Alabama ONE Credit Union
  • No balance transfer fee
  • No cash advance fee
Education is Everything.
Learn More about credit cards now.

*APR = Annual Percentage Rate. Rate will be determined by member’s creditworthiness. The Credit Union reserves the right to refuse to process, or block, transactions originating in countries of concern. The list of countries of concern is subject to change at any time without advance notice.

Maximum rate may range from 12.99% to 18.99% APR (as of 5/1/2024), depending on credit qualifications.

1Certain restrictions apply. For details, see Guide to Benefits.
2Certain restrictions apply. See www.mastercard.us/zero-liability for details.

Mastercard Business Card, Priceless and the Mastercard brand mark are registered trademarks and Mastercard Global Service and Mastercard Airport Concierge are trademarks of Mastercard International Incorporated, used pursuant to license.
All third party trademarks referenced are the property of their respective owners.

To report a lost or stolen CREDIT CARD please call 1-888-856-1730.

Your credit score is an important part of your financial life. When you apply for a credit card, mortgage, car loan, mobile phone or even a power hookup, your credit rating is checked. Depending on your credit score, lenders will determine your credit worthiness. Learn more about your credit score and what it means to you by visiting AnnualCreditReport.com.

What’s Your ONE?

Want to Speak to an Expert?

Dive into an ultraconvenient experience with Penny, our AI-powered online chat service, that provides instant and accurate assistance around the clock, or connect with our team through Live Chat 7:30 AM to 6:00 PM, Mon-Fri for personalized support. Plus, we've extended our after-hours servicing for loans and new account assistance, now available from 5:00 PM to 10:00 PM, Mon-Fri, ensuring we're here for you whenever you need us.

You are about to leave Alabama ONE Credit Union’s website. Alabama ONE Credit Union provides links to other websites for your convenience and informational purposes. Linked sites are not under the control of Alabama ONE Credit Union and Alabama ONE Credit Union is not responsible for the content of any linked site.