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  Amalgamated Bank of Chicago Platinum Rewards Mastercard®

Amalgamated Bank of Chicago Platinum Rewards Mastercard®

in Personal Credit Cards from Amalgamated Bank of Chicago

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Amalgamated Bank of Chicago Platinum Rewards Mastercard®

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in Personal Credit Cards from Amalgamated Bank of Chicago

SuperMoney Net Recommendation Score +77

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +77, equating to 4.5 on a 5 point rating scale.

+77

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

11 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 12.9% - 22.9%
Balance Transfer APR  (Variable APR) 12.9% - 22.9%
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 13

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will 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 up to 12 months.
  • Signup bonus. Offers a signup bonus of $150 if you spend $1200 within 3 months.
  • Competitive APRs. Amalgamated Bank of Chicago Platinum Rewards Mastercard® has a variable 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.
  • 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 better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Amalgamated Bank of Chicago Platinum Rewards Mastercard®
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Amalgamated Bank of Chicago Platinum Rewards Mastercard® reports to multiple credit bureaus.
  • Minimum cash advance fee of $10.
  • Requires good to excellent credit.
  • Charges a 3% balance transfer fee.
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.

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus ($) Up to $150
Signup Bonus Spend Requirement $1200
Signup Bonus Spend Period (months) 3 months

Does Amalgamated Bank of Chicago Platinum Rewards Mastercard® have a signup bonus?

Yes, it offers card users a signup bonus worth up to $150 after spending $1200.

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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?

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Purchase Intro Offer
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 up to 12 months.

What are the fees for Amalgamated Bank of Chicago Platinum Rewards Mastercard®?

The following fees apply:

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $25
Late Payment Fee up to $35

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 Amalgamated Bank of Chicago Platinum Rewards Mastercard® customer service number 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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Amalgamated Bank of Chicago Platinum Rewards Mastercard®

  • Visit the Amalgamated Bank of Chicago Platinum Rewards Mastercard® website.
  • 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

Get Extra Points: Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive.

Contact

About Amalgamated Bank of Chicago Platinum Rewards Mastercard®

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1
Revolving Categories You can get 5x points throughout the year by using the bonus categories for each quarter. From January to March earn 5x points on qualifying purchases at groceries, fitness clubs, hospitals, and pharmacies. From April to June earn 5x points on qualifying home improvement, gardening, Amazon.com, and other major online retailers. From July to September earn 5x points on qualifying airline, cruise, car rental, hotel, travel agency purchases, gas, tolls, and ride share. Finally, from October to December, earn 5x points on qualifying dining and groceries, food delivery services, liquor stores, and Amazon.com.
Every Purchase (Points) Earn Rewards Points on every purchase, every time. It's simple. $1 purchases = 1 Rewards Point
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
No Reward Expiration Period
Rewards Categories
  • 1x - 5x Points on Travel
  • 1x - 5x Points on Airfare
  • 1x - 5x Points on Amazon Purchases
  • 1x - 5x Points on Car Rentals
  • 1x - 5x Points on Drug Store Purchases
  • 1x - 5x Points on Gas
  • 1x - 5x Points on Groceries
  • 1x - 5x Points on Gym Memberships
  • 1x - 5x Points on Home Improvement Purchases
  • 1x - 5x Points on Hotels
  • 1x - 5x Points on Restaurants
  • 1x - 5x Points on Shipping
  • 1x Point on Every Purchase
Signup Bonus $150
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balance (including new transactions)
Purchase APR (Variable APR) 12.9% - 22.9%
Balance Transfer APR (Variable APR) 12.9% - 22.9%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
  • Zero Percent
Card Network Mastercard

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +77, equating to 4.5 on a 5 point rating scale.

+77

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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