Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card review
Get rewards on rotating categories and a low standard APR.
finder.com’s rating: 4.4 / 5
- Get this card if you want to earn rewards on rotating categories and save money on interest.
- Pick something else if you want a stronger signup bonus.
- Apply with a good to an excellent credit score of 670 or higher.
Up to 5x
Intro purchase APR
for the first 12 months (then to variable)
|Product Name||Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card|
|Purchase APR||0% intro for the first 12 months (then from 9.25% variable)|
|Balance transfer APR||0% intro for the first 18 months (then 9.25% variable)|
|Balance transfer fee||$5 or 3% of the transaction, whichever is greater|
|Cash advance rate||14.25% variable|
|Cash advance fee||$5 or 3% of the cash advance amount, whichever is greater|
|Foreign transaction fee||None|
|Interest free period||Up to 25 days|
|Late payment fee||Up to $35|
|Returned payment fee||Up to $25|
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
The Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card comes with a $0 annual fee, a decent signup bonus of $150, and you get a long intro APR on balance transfers for the first 18 months and purchases for 12 months. Once the intro periods are over, a variable APR of 9.25% will apply.
Also, you get to earn 5x points on rotating categories each quarter on up to $1,500 in combined purchases, and 1x after reaching the cap. This puts the card on par with similar bank-issued competitor cards, except the Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card has an incredibly low APR.
Overall, if you’re looking to earn the highest rewards on rotating categories while paying low interest rates, this could be a card worth considering.
How to apply for Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card
You must be a US resident and at least 18 years old — 19 in Alabama and Nebraska. To apply:
- Visit the Amalgamated Bank of Chicago website and locate the card.
- Click Apply now.
- Fill out the application form using your personal information, employment information and annual income, and your monthly housing payment.
- Review the application form and submit.
What credit score do I need?
Increase your chances of success with a good to an excellent credit score of 670 or higher.
Earn 5x points in combined purchases on up to $1,500 on quarterly rotating categories, including dining, groceries, gas and automotive. After reaching the cap, earn 1x points on all purchases.
Earn $150 in statement credit bonus after you spend $1,200 in your first 90 days of card membership. This is a high spend requirement as similar cards only require you to spend $500 to earn the bonus.
Intro APR period.
Get a 0% intro APR period on balance transfers for the first 18 months and purchases for the first 12 months after you open your account. After that, a variable APR of 9.25% applies — the lowest interest rate compared to similar cards.
No foreign transaction fees.
You won’t incur any foreign transaction fees when you use the card abroad or when making online purchases at foreign merchants.
No annual fee.
You get to earn rewards and save money on interest without paying an annual fee.
2020 calendar for quarterly rotating categories
|Quarters||January–March 2020||April–June 2020||July–September 2020||October–December 2020|
|5x category||Monthly bills||Dining and transportation||Travel||Department stores|
|Example||Qualifying utilities, cell phone, cable, Amazon Prime and streaming subscription services||Groceries, bakeries, fast food, gas, tolls and mass transit||Airfare, cruises, car rental, hotels, gas and ride shares||Department stores, electronic stores, Target, Walmart and Amazon.com|
What to watch out for
Loss of intro APR period.
You may lose your intro APR and incur standard APR instead if you make a late payment.
Balance transfer limitations.
You must transfer your balance within 90 days when you open your account to use the intro APR period. Balance transfers made after your first 90 days will incur the standard APR.
Compare rewards credit cards
The Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card could be a solid choice if you’re looking for a solid rewards credit card with a low standard APR.
But if you don’t find this card appealing, compare your credit card options until you find the right fit for your wallet.
Frequently asked questions
Credit card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.