0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
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 or Foreign Transaction Fee
Select Your Rewards Your Way
Rates, fees & offers
Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening.
0% on Purchases for 12 months and Balance Transfers for 18 months
APR: 14.40% - 24.40% Variable APR
Cash Advance APR: 26.49%, 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 and Balance Transfers
No Annual Fee
Qualify with average credit or better
Fee of 3% of each balance transfer (minimum $5)
Poor cash-back redemption option
If you value simplicity, a flat-rate card may be better
The ABOC Platinum Rewards Mastercard® Credit 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.