0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% - 25.15%, based on your creditworthiness
Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
Earn Points on Every Purchase! It’s simple: $1 = 1 Point
No Annual Fee
Select Your Rewards Your Way
Rates, fees & offers
1 point per dollar
Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening.
0% Intro APR for 12 months on Purchase and Balance Transfers
APR: 15.15% - 25.15% Variable APR
Cash Advance APR: 27.24%, Variable
Balance transfer fee
3% of each balance transfer; $5 minimum
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
By Sara Rathner
Editor's overall rating
Pros and Cons
Intro APR period on Purchases
No Annual Fee
Qualify with average credit or better
Has foreign transaction fees
Fee of 3% of each balance transfer (minimum $5)
The ABOC Platinum Rewards Card is an ideal option for people looking to strengthen their credit while earning rewards for their spending.
Issued by Amalgamated Bank of Chicago, the $0-annual-fee card offers some perks not generally found on products for fair credit. Most notably, it unveiled changes to its rewards program in 2019, becoming a rotating-bonus-category product that offers elevated rewards in specific areas of spending that change each quarter. Cardholders can earn:
--5 points per $1 spent on up to $1,500 in combined spending on categories that change each quarter (1 point per $1 after reaching that threshold).
--1 point per $1 on all other purchases.
Points can be redeemed online for gift cards, statement credits, merchandise and travel. Redemption values vary by method. There’s no points cap, and they don’t expire.
For more information, see our full review of this card.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.