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Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card review

NOTE: This bank is no longer accepting new card accounts.

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.
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$150

Welcome offer

Up to 5x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 12 months (then to variable)

Details

Annual fee$0
Welcome offer$150 after spending $1,200 in the first 90 days
Rewards5x points in rotating categories up to $1,500 combined each quarter, then 1x after that and on all other purchases
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)
Minimum Credit Score670
IssuerMastercard
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Review by


Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

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 2021
Finder experts pick Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card as a 2021 best product for credit cards.

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. Increase your chances of success with a good to an excellent credit score of 670 or higher. To apply:

  1. Go to the provider's site and select Apply now.
  2. Fill out the application form using your personal information, employment information and annual income, and your monthly housing payment.
  3. Review the application form and submit.

Amalgamated Bank of Chicago Union Strong Mastercard® Credit 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.

Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card drawbacks

  • 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

If this card isn’t right for you, compare other rewards cards on the market. Consider the categories you spend most in and which cards will reward you for those purchases.

1 - 3 of 35
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Quicksilver Cash Rewards for Good Credit
Capital One Quicksilver Cash Rewards for Good Credit
N/A
1.5% cash back on every purchase, every day
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit.
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2021 calendar for quarterly rotating categories

QuartersJanuary–March 2021April–June 2021July–September 2021October–December 2021
5x categoryHealth and wellnessSpring spruce-upTravelEnjoy the holidays
ExampleQualifying groceries, fitness clubs, hospitals and pharmaciesQualifying home improvement, gardening, Amazon.com and other major online retailersQualifying airline, cruise, car rental, hotel, travel agency purchases, gas, tolls and ride shareQualifying dining and groceries, food delivery services, liquor stores, and Amazon.com

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.

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.

Learn the details of our methodology and scoring.

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