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Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card review

Last updated:  

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.

$150

Welcome offer

Up to 5x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 12 months (then to variable)

Details

Product NameAmalgamated Bank of Chicago Union Strong Mastercard® Credit Card
Card typeMastercard
Annual fee$0
Purchase APR0% intro for the first 12 months (then from 9.25% variable)
Balance transfer APR0% intro for the first 18 months (then 9.25% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate14.25% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $35
Returned payment feeUp to $25

Expert review

Kliment Dukovski

Review by


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.

Expert review

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.

Best of 2020
Finder experts pick Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card as a 2020 best product for credit cards.

Card benefits

  • Reward points.
    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.
  • Signup bonus.
    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

QuartersJanuary–March 2020April–June 2020July–September 2020October–December 2020
5x categoryMonthly billsDining and transportationTravelDepartment stores
ExampleQualifying utilities, cell phone, cable, Amazon Prime and streaming subscription servicesGroceries, bakeries, fast food, gas, tolls and mass transitAirfare, cruises, car rental, hotels, gas and ride sharesDepartment 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.

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:

  1. Visit the Amalgamated Bank of Chicago website and locate the card.
  2. Click Apply now.
  3. Fill out the application form using your personal information, employment information and annual income, and your monthly housing payment.
  4. 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.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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Bottom line

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

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Our team evaluates credit cards to determine their value against similar cards on the market.

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