| Rewards | You earn 5× ABOC Rewards points on up to $1,500 of combined spending each quarter in rotating categories (like dining, groceries, travel, auto). All other purchases earn 1 point per $1. |
|---|---|
| Signup Bonus | $150 statement credit after you spend $1,200 in purchases within 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%, with a $5 minimum |
| Late Payment Fee | Up to $35 |
| Purchases APR | 10.75% variable. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Amalgamated Bank of Chicago United Association Union Card is known for its no-annual-fee, rotating 5× rewards program, and a straightforward intro bonus for new cardholders. It’s positioned as a practical, high-value everyday card for UA members and supporters who want strong rewards without extra costs.
Most users say they appreciate the 5× points in quarterly categories, which tend to cover popular essentials like dining, gas, or travel. Many reviewers mentioned the easy-to-use rewards portal and the ability to redeem points for cash back, travel, or gift cards without complicated rules.
On the downside, many reviewers mention that the quarterly category activation can be annoying, and the $1,500 cap on bonus spending feels limiting for families or high spenders. Some also wish the card offered more premium benefits, like travel protection or purchase insurance.
Personally, I think the United Association Union Card is best for UA members who want strong, flexible rewards without paying an annual fee. If you enjoy maximizing rotating categories, it’s an easy win—but if you prefer consistent, flat-rate cash back or richer perks, there are more convenient options out there.
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