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finder.com’s rating: 4.4 / 5
★★★★★
$150
Welcome offer
Up to 5x
Points
$0
Annual fee
0%
Intro purchase APR
for the first 12 months (then to variable)
Annual fee | $0 |
---|---|
Welcome offer | $150 after spending $1,200 in the first 90 days |
Rewards | 5x points in rotating categories up to $1,500 combined each quarter, then 1x after that and on all other purchases |
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) |
Minimum Credit Score | 670 |
Issuer | Mastercard |
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.
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.
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:
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.
Quarters | January–March 2021 | April–June 2021 | July–September 2021 | October–December 2021 |
---|---|---|---|---|
5x category | Health and wellness | Spring spruce-up | Travel | Enjoy the holidays |
Example | Qualifying groceries, fitness clubs, hospitals and pharmacies | Qualifying home improvement, gardening, Amazon.com and other major online retailers | Qualifying airline, cruise, car rental, hotel, travel agency purchases, gas, tolls and ride share | Qualifying dining and groceries, food delivery services, liquor stores, and Amazon.com |
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.
★★★★★ — 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.