| Rewards | You earn 5× ABOC Rewards points per $1 on up to $1,500 of combined purchases each quarter in rotating categories (dining, groceries, travel, automotive, etc.) For all other purchases, you get 1 point per $1 with no spending cap. |
|---|---|
| Signup Bonus | $150 statement credit after you spend $1,200 in the first 90 days of account opening. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 14.25% (APR is subject to change) |
| Cash Advance Fee | 3% of the amount advanced, with a minimum of $5. |
| Late Payment Fee | Up to $35 |
| Purchases APR | 9.25% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Amalgamated Bank of Chicago SMART Union Card stands out for its rotating 5× rewards, no annual fee, and a straightforward signup bonus. Most users see it as a solid everyday card for union members who want easy cash-back-style redemptions without paying to carry the card.
Most users say they appreciate the quarterly 5× points categories—especially when they line up with groceries, gas, or dining. Many reviewers also mentioned that the no-annual-fee structure makes it feel “low risk,” and the $150 bonus for modest early spending gets consistently positive feedback.
On the flip side, many reviewers complain that the rotating categories require activation, and the quarterly caps can be limiting for bigger spenders. Others mention that the card lacks premium perks—no travel benefits, no statement-credit boosts, and fairly standard fees on things like cash advances or late payments.
Personally, I think the SMART Union card is best for union members or supporters who want simple rewards without extra costs. If you’re chasing travel upgrades or consistently high, unlimited cash-back, you’ll probably find better value elsewhere—but as a no-fee, points-earning everyday card, it’s a pretty easy win.
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