Amalgamated Bank of Chicago Gold MasterCard | Reviews

CARD OVERVIEW

The Amalgamated Bank of Chicago (ABOC) Gold MasterCard is best known as a no-annual-fee card designed for straightforward credit building rather than flashy rewards. It doesn’t offer cash back or travel perks, so people tend to view it as a simple, low-maintenance option rather than a points-earning powerhouse.

Most users say they appreciate its predictability — no annual fee, no complicated earning structure, and fairly clear terms. Many reviewers also mention that ABOC has historically been more flexible with approvals than big national banks, which makes the card appealing for those rebuilding credit or looking for a dependable second card.

On the flip side, many reviewers mentioned that the lack of rewards makes it feel outdated compared to modern no-fee cards that offer at least 1% cash back. Some also say that customer service can be hit-or-miss, and the online interface isn’t as polished as larger issuers.

Personally, I think the ABOC Gold MasterCard is best for someone who wants a simple, stable, no-annual-fee card to support their credit profile without worrying about maximizing rewards. If you want perks or cash back, though, there are definitely better-value options elsewhere.