Last Updated: 07/28/2025
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
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Last Updated: 07/28/2025
SuperMoney User Recommendation Score +77
Strongly recommended13 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
12.9% - 22.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.9% - 22.9%(Verified 06/21/2024)
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Credit Score Range
700 - 850
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Annual Fee
$0
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Number of Reviews
Amalgamated Bank of Chicago Platinum Rewards Mastercard® Review
This is a rewards card issued by Amalgamated Bank of Chicago. If you're wondering whether Amalgamated Bank of Chicago Platinum Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- Signup bonus. Offers a signup bonus of up to $150.
- APRs: Amalgamated Bank of Chicago Platinum Rewards Mastercard® has a variable regular purchase APR that ranges from 12.9% up to 22.9%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Amalgamated Bank of Chicago Platinum Rewards Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Amalgamated Bank of Chicago Platinum Rewards Mastercard®
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Amalgamated Bank of Chicago Platinum Rewards Mastercard® FAQ
Does Amalgamated Bank of Chicago Platinum Rewards Mastercard® have a cash back or rewards program?
Amalgamated Bank of Chicago Platinum Rewards Mastercard® is a rewards card.
| Description |
Does Amalgamated Bank of Chicago Platinum Rewards Mastercard® have a signup bonus?
Yes, it offers card users a signup bonus worth up to $150 .
Does Amalgamated Bank of Chicago Platinum Rewards Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Amalgamated Bank of Chicago Platinum Rewards Mastercard® benefits?
Amalgamated Bank of Chicago Platinum Rewards Mastercard® provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for Amalgamated Bank of Chicago Platinum Rewards Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Amalgamated Bank of Chicago Platinum Rewards Mastercard® has a variable purchase APR that ranges from 12.9% up to 22.9%. The card has a variable balance transfer APR that ranges from 12.9% up to 22.9%. It also has a variable cash advance APR of 24.99% .
Does Amalgamated Bank of Chicago Platinum Rewards Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Amalgamated Bank of Chicago Platinum Rewards Mastercard® have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for Amalgamated Bank of Chicago Platinum Rewards Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Amalgamated Bank of Chicago Platinum Rewards Mastercard®?
The customer service number for Amalgamated Bank of Chicago Platinum Rewards Mastercard® is (312) 822-3000.
What is the support contact email for Amalgamated Bank of Chicago Platinum Rewards Mastercard®?
The support contact email for Amalgamated Bank of Chicago Platinum Rewards Mastercard® is customerservice@aboc.com.
What is the login page for Amalgamated Bank of Chicago Platinum Rewards Mastercard®?
You can access the login page of Amalgamated Bank of Chicago Platinum Rewards Mastercard® here.
How do people rate the customer service and user experience of Amalgamated Bank of Chicago Platinum Rewards Mastercard®?
Overall, Amalgamated Bank of Chicago Platinum Rewards Mastercard® is strongly recommended based on community reviews that rate customer service and user experience.
Does Amalgamated Bank of Chicago Platinum Rewards Mastercard® report your account activity to credit bureaus?
Yes, Amalgamated Bank of Chicago Platinum Rewards Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Amalgamated Bank of Chicago perform a hard credit pull?
Yes, Amalgamated Bank of Chicago Platinum Rewards Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Amalgamated Bank of Chicago Platinum Rewards Mastercard®
- Visit the website of Amalgamated Bank of Chicago Platinum Rewards Mastercard®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Amalgamated Bank of Chicago Platinum Rewards Mastercard® Disclosure: 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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.