ABOC Platinum Rewards Mastercard® Credit Card
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- No Annual Fee or Foreign Transaction Fee
- Select Your Rewards Your Way
- No Foreign Transaction Fee
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards |
|---|---|---|---|---|---|---|
| Excellent Credit | Personal | $0* | N/A | 0.00% for 12 months | 12.90%* - 22.90%* | Flexible Options |
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ABOC Platinum Rewards Mastercard® Credit Card Quick Summary:
This Mastercard rewards card with flexible options is issued by Amalgamated Bank of Chicago. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 12.90%* (Variable)* and may be as high as 22.90%* (Variable)*, depending on your credit worthiness*.
Important Rates:
There is a purchase introductory APR of 0.00% for 12 months*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
There is no annual fee for this card.*
Rewards:
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 742 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Amalgamated Bank of Chicago product.
Other Basics:
The grace period listed for the ABOC Platinum Rewards Mastercard® Credit Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).
Our Editor's Commentary:
Please note: Amalgamated Bank of Chicago has temporarily suspended its balance transfer offer for new accounts due to the current economic environment. ABOC expects to reinstate this benefit in late 2020; in the meantime, new cardmembers can still receive a 0% intro APR on purchases for 12 months and have the opportunity to earn a $150 statement credit when they spend $1,200 within 90 days after account opening.
Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by
submitting your application results to assist other applicants before they apply for this card.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 742, then your chance of approval
may be even greater.
Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
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