The
Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card is a good all-around rewards card for people with good credit or better who don’t mind rotating rewards categories as long as they come with a high earning rate. In addition to a
$0 annual fee, no foreign fee and a
$150 statement credit initial bonus for spending
$1,200 within
90 days of opening an account, the ABOC Union Strong Credit Card offers up to 5 points per $1 spent in bonus categories. Specifically, cardholders earn 5 points per $1 on up to $1,500 spent per quarter in purchase categories that change on a quarterly basis, all other purchases get 1 point per $1.
The ABOC Union Strong Mastercard also brings more to the table than just rewards and a low annual fee. It offers no interest for a time, too. New cardholders get
0% for 12 months on purchases and
0% for 18 months on balance transfers. There is a balance transfer fee of
3% (min $5), however. The ABOC Union Strong Card also has a very low regular APR, at
9.25% (V), but it’s still best to pay your bill in full every month after the interest-free intro period.
So, if you want a low-interest rewards card with no annual fee, the ABOC Union Strong Mastercard might just be for you. This card is also good for international spending, as it charges no foreign transaction fee. By the way, you don’t need to belong to a labor union to get the Union Strong Credit Card. The name just comes from ABOC’s history as a union-friendly bank.
Below, you can learn more about the biggest pros and cons of the
Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card as well as get additional guidance about who should and should not apply.
ABOC Union Strong Credit Card Review Highlights:- Annual Fee: $0. Because so many credit cards with no annual fee are available, this only saves you about $22.29 per year compared to the average credit card.
- Initial Bonus: $150 statement credit. The average cash-based credit card bonus is about $228.
- Intro APRs: The card offers 0% for 12 months on purchases and 0% for 18 months on balance transfers. One year without interest is slightly longer than average for a 0% intro APR credit card. The Union Strong Card’s 3% (min $5) balance transfer fee is pretty standard, too.
- Regular APR: 9.25% (V). Credit cards that require good credit for approval charge an average of 24.12%. Credit cards for excellent credit charge 18.04% on average.
- Bonus Rewards Rate: 5 points per $1, up to $1,500 spent per quarter in bonus categories. Some of the most popular rewards cards on the market use this same bonus framework.
- Base Rewards Rate: 1 point per $1 spent. This is standard for a rewards card that offers higher earning rates in certain spending categories. On average, cards that reward users with points or miles give 1.22 points/miles per $1 spent.
- Foreign Transaction Fee: $0. Purchasing something from a foreign seller or traveling internationally come at no additional charges with the Union Strong card.
If you have the good credit or excellent credit needed for ABOC Union Strong Mastercard approval, then you’ll also have a good shot at getting one of the
best rewards credit cards or the
best 0% APR cards. If you don’t know how good your credit is, you can
check your latest credit score for free on WalletHub.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.