| Rewards | None |
|---|---|
| Signup Bonus | None |
| Annual Fee | None. |
| Cardmember Agreement | View Here |
| Cash Advance APR | Prime + 6.00%, according to older rates |
| Cash Advance Fee | 2.5% cash advance fee |
| Late Payment Fee | $25 |
| Purchases APR | 11.99%, 15.99%, or 19.99% variable, 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 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On the downside, many reviewers mention that the card’s lack of rewards makes it feel outdated compared to competitors offering cash back or points with no annual fee.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.
RATE THIS CREDIT CARD
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A
Great local card
I got this card and love the small town feel for their support. Payments post fast, and employees remembered my name. Makes banking feel personal, not corporate.
D
Frustrating experience
The annual fees and interest rates feel high compared to other cards I've used. While the card works for basic purchases, customer service has been slow to respond to inquiries. I expected more transparency and flexibility.
