| Rewards | You earn 1 ABOC Rewards point per $1 on most purchases. You can also earn 5× points on up to $1,500 of combined spending each quarter in rotating bonus categories. |
|---|---|
| Signup Bonus | $150 statement credit after spending $1,200 within the first 90 days of account opening. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.99% (APR is subject to change) |
| Cash Advance Fee | 5% of the advance (minimum $10) |
| Late Payment Fee | $27 for the first late payment. $37 if another payment is late within the next six billing cycles. |
| Purchases APR | 0% introductory APR for the first 12 months. After the intro period, a variable rate of Prime + 9.74%, which works out to 12.90%–22.90%, depending on your creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Amalgamated Bank of Chicago Platinum Rewards Credit Card is known for its $0 annual fee, rotating 5× bonus categories, and a straightforward 1× point rate on everything else. It also offers an occasional signup bonus, which most users see as a nice extra rather than a major selling point.
Most users say they like the generous 5× categories, especially since they cover useful everyday areas like gas, groceries, or online shopping. Many reviewers mentioned that the lack of an annual fee makes the rewards feel like “free money” if you plan your spending around the quarterly categories. People also appreciate that points don’t expire as long as the account stays open.
On the downside, many users complain that rotating categories require too much tracking, and some say they forget to enroll each quarter. Others mention that ABOC’s online banking tools feel outdated, which makes managing rewards a bit clunky.
Personally, I think this card is best for someone who enjoys category-hacking and maximizing bonus rewards without paying a fee. If you want simple, automatic cash back with no quarterly calendar to manage, you’ll probably find better value with a flat-rate or 2% card.
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