Purchase APR
11.75–16.75%
Annual fee
None
Foreign fee
2%
No score≤619
Carrying $3k for a year ≈ $412.50
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Align Credit Union
8 cardholder agreements · 7.2 MB · 1 surveyed card
A
Fair Terms · grade A (100/100)
0 contract red flags across 8 filed docs · see how every issuer ranks →
No red-flag clauses detected in this issuer's filed agreements — a clean 100.
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Priced card products
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.
August-2025-credit-card-disclosure6.2 MBCC agreement old105 KBCC agreement old105 KBCC agreement old105 KBCredit Card AOD Rewards 699 and Below with Prime Rate Change 02-18-2025256 KBCredit Card AOD Rewards 700-759 with Intro of 7.49% 02-28-2025157 KBCredit Card AOD Rewards 700-759 with Intro of 7.49% 02-28-2025157 KBCredit Card AOD Rewards 760+ With Intro of 7.49% 02-28-2025177 KB