Amalgamated Bank of Chicago Standard MasterCard | Reviews

CARD OVERVIEW

The Amalgamated Bank of Chicago Standard MasterCard is known for being a no-annual-fee credit card with very basic features—no rewards program, no intro bonus, and a straightforward fee structure. It’s essentially the bank’s simplest, no-frills option for people who want a low-commitment credit line.

Most users say they like the simplicity of the card and appreciate that there’s no annual fee, making it easy to keep long-term for credit-building or as a backup account. Many reviewers also mention that ABOC’s customer service is generally responsive, which is becoming rarer among smaller issuers.

On the downside, many reviewers mention that the card’s lack of rewards makes it feel outdated compared to competitors offering cash back or points with no annual fee. Others point out that the APR can be higher than average, making it less ideal for carrying balances.

Personally, I think the Standard MasterCard is best for someone who wants a simple, no-cost credit card to build or maintain credit without worrying about rotating categories or complex perks. If you’re looking for rewards or strong value, though, there are plenty of modern alternatives that offer a lot more for the same price—free.