Last Updated: 07/28/2025
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
Claimed
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Message from Amalgamated Bank of Chicago Platinum Rewards Mastercard®
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +77, or 4.5 on a 5-point rating scale.
+77
-1000+100
No one recommends
Everyone recommends
Amalgamated Bank of Chicago Platinum Rewards Mastercard® Community Reviews
Would you recommend Amalgamated Bank of Chicago Platinum Rewards Mastercard® to your friends?
RG
Rupok G.
Dec 30, 2020
May or may not recommend
Why choose ABOC Platinum Rewards Credit Card Personal Credit Cards? Well there is a plenty of reason. First there is no annual fee at all . Intro APR is zero for one whole year. Even the regular APR is quite low compared to other credit cards . The customer service is brilliant as well . See the reasons? I have used this for a long time and its totally great.
Mady H.
Dec 10, 2020
May or may not recommend
This credit card was a game-changer for me! I travel very much and live abroad- this credit card's no foreign transaction fee has been imperative to saving money as I travel and avoiding fees that pile up. Additionally, the rewards program is great. $1 translates into 1 reward point, which can be used on a plethora of great options. I'd also be remiss to not mention their 0% APR for ...Show More
KF
Kyle F.
Oct 30, 2020
May or may not recommend
This is very encouraging, especially if for those using it for the first time
DP
Danielle P.
Aug 28, 2020
May or may not recommend
This is a good first card for those looking to build their credit. It has no annual fees, and the APR is comparable to other cards. This card also gives you rewards too, so if you use it, you can get rewards including cash back for your purchases. It's that simple, and super easy to use. This is a great card for starting out, and many retailers use ...Show More
KS
Katherine S.
Aug 8, 2020
May or may not recommend
This credit card is fabulous! I use it for almost all of my purchases and I love the rewards that come with using this card. I love going out to eat and shopping, so this card is perfect for me because I can receive rewards when I swipe it! I would recommend this card to anyone who is looking to spend, while also receiving rewards. This is a great option ...Show More
BN
Benjamin N.
Aug 6, 2020
May or may not recommend
I would recommend this because of the $0 annual fee and low APR.
BB
Brandon B.
Apr 6, 2020
May or may not recommend
Excellent would definitely recommend to anyone who has never had any credit
ME
Matt E.
Dec 31, 2018
May or may not recommend
DO NOT APPLY FOR! Sure this card was great....UNTIL you have a problem(fraud charges) and then you are expected to jump through rings of fire to “fix” the problem. I got my money back(finally) then two months later they recharged the money(with no communication other than a new credit card statement with the charge on there)
VC
Valerie C.
Nov 10, 2018
May or may not recommend
I would could ABOC base on my personal experience
Diane M.
Oct 3, 2018
May or may not recommend
My recommendation would be based on uses covering all my needs. Home rental Inc. Car Inc. DMV decrease registration. Most important to me was that USAA was at my side the day my husband passed away active duty US CW-3 Army Black Hawk pilot that crashes with 7 other men. My father serve in the Army WW2. My Grandfather served in WW1. I would recommend USAA even if not approved.
U
Anonymous
Aug 23, 2018
May or may not recommend
recommend a friend for this is the right thing for everyone . . . .
JE
John E.
Jun 29, 2018
May or may not recommend
They are a great company and will really help a person get a new start in life
KJ
Kevin J.
May 29, 2018
May or may not recommend
Amazing and very helpful and I really encourage people to try this anytime
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