Card
Network

Mastercard
Bank

Amalgamated Bank of Chicago
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Excellent / Good
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)

CARD DETAILS

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
+ Pros
  • 0% intro APR on purchases and balance transfers.
  • Unlimited point rewards.
  • No annual fee.
- Cons
  • Balance transfer fee applies.

REWARDS: Points

Rewards Program
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
Rewards Bonus
Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening

PURCHASES

Intro
APR

0% for 12 months
Ongoing
APR

11.25% (V)
Penalty
APR

N/A
Minimum Grace
Period

25 days
Minimum Interest
Charge

N/A

BALANCE TRANSFERS

Intro
APR

0% for 12 months
Ongoing
APR

11.25% (V)
Balance Transfer
Fee

3% of each balance transfer (minimum $5)
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

16.25% (V)
Cash Advance
Fee

3% of each advance (minimum $5)
Penalty
APR

N/A
Minimum Grace
Period

N/A

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

3% of transaction amount
Late Payment
Fee

Up to $35
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