Tag Archives: Intro APR

ABOC Credit Card Review

May 26, 2021RewardsIntro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Union Strong Credit Card

“For almost a century, the Bank has designed deposit and credit services exclusively for union workers in the automobile, building trades, clothing and textile, communications and graphic arts, hotel and restaurant, mechanics, public service and general service, steel and iron, transportation industries, and more.”

Amalgamated Bank of Chicago (ABOC) credit card program offers competitive rates and benefits to people who would prefer not to deal with big banks. Currently ABOC is revising its credit card offerings, so the cards below aren’t accepting new applicants.

The descriptions below are for reference only.

ABOC Union Strong Credit Card

The Union Strong Mastercard® currently charges an APR of 9.25% after the introductory period ends. The APR may change depending on market conditions.

The Union Strong credit card has an 0% APR deal on balance transfers for first 18 billing cycles. Balance transfers don’t receive any reward points and a 3% fee is added upon transfer.

ABOC Platinum Rewards Card

aboc credit card platinum rewards

The Platinum Rewards credit card currently charges an APR of 12.90% to 22.90% depending on credit history. The APR also will fluctuate in step with on market conditions.

There is no special deal on balance transfers for new accounts.

Introductory Offers for ABOC Credit Cards

Get a generous sign-up bonus of $150 as a statement credit after opening a new account, but only when $1,200 is charged on the new card within 90 days of approval.

Pay no interest on purchases for the first 12 billing cycles. Monthly minimum payments are required to keep the account in good standing.

Rewards and savings for ABOC credit cards

1% Cash Back on eligible purchases
No Annual Fee
Zero-interest for 25 days before payments are due for purchases paid in full after the promotional period.
Rewards include choice of statement credits, travel, gift cards, merchandise
Points never expire as long as card remains in good standing
No foreign transaction fees

Purchase and travel benefits include

No fee for additional cards for authorized users
Mastercard® zero liability on unauthorized transactions
Extended Warranty doubles your original warranty up to 1 additional year (conditions apply)
Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised.
MasterAssist^® provides pre-trip planning assistance, help with lost luggage and more.
Master RoadAssist^® Roadside Services provides help in the event your car breaks down while traveling in the U.S.
$1 Million Travel Accident Insurance.
Security chip gives enhanced protection when used at chip-enabled terminals.
Make mobile purchases with Android Pay^TM, Apple Pay^TM and Samsung Pay.

AARP Essential Rewards credit card

March 23, 2021RewardsBarclaycard, Intro APR, Rewards, Sign-up offersLeonard Kreicas

The AARP Essential Rewards credit card offers features 3% rebates on gas and drug store purchases, 2% on medical expenses, and 1% on all other eligible items.

Introductory Sign-Up Bonus

Receive 10,000 point good for $100 cash back after charging $500 or more to the card within 90 days of account opening

Introductory Balance Transfer Offer

0% introductory APR for 15 months on balance transfers made within 45 days of account opening. A balance transfer fee of 3% (minimum $5) applies as an upfront fee.

Interest Rates

Purchases – 0% for 25 days if statement balance is zero
Purchases – 16.74% to 25.74% if statement balance is greater than zero
Cash Advances – 24.99%
Balance Transfers – 16.74% to 25.74% (if available)

Fees

Annual Fee: $0
Balance transfer: 3% ($5 min)
Cash advance: 5% ($10 min)
Foreign transaction: 3.0%
Late payment: up to $15 or $35
Returned payment: $35

Earn Rewards

Three Member Reward points per dollar on eligible gas stations or restaurants
Two Member Reward points per dollar on eligible medical expenses
One Member Reward point per dollar on all other eligible purchases

Redeem Member Reward Points

Minimum to redeem: 2,000 points
As a statement credit or direct deposit checking or savings account
Gift cards such Walmart, Amazon, and more
Travel, including flight, hotels, cruises, etc.

Purchase Services

Theft and accidental damage protection, including cell phones
Return protection within 90 days of purchase
Free extended warranties

Travel Benefits

Roadside Assistance Hotline
Car rental and damage insurance (excludes liability coverage)
Global Assist Hotline (doesn’t pay for third-party costs)
Travel accident insurance on common carriers

Security Features

Fraud Protection
Advanced secure chip technology
Text alerts

Other Card Benefits

Mobile banking
Text and/or email alerts on purchases, balances, reminders, etc.
Monthly summaries

Notes

Medical expenses eligible for bonus rewards include

Dentists
Orthodontists
Osteopathic Physicians
Chiropractors
Optometrists
Ophthalmologists
Opticians
Optical Goods & Eyeglasses
Chiropodists
Podiatrists
Hospitals
Medical and Dental Laboratories
Hearing Aids
Ambulance Services
Orthopedic Goods
Prosthetic Devices
Nursing and Personal Care Facilities
Medical Services & Health Practitioners not elsewhere classified (NEC)
Doctors not elsewhere classified (NEC)

Though co-branded with the American Association of Retired Persons (AARP), you don’t have to be over 55 or even a member for this credit card.

From March 22, 2021 to March 31, 2022, Barclays Bank Delaware (Barclays) will donate $10 for every newly approved AARP-branded credit card from a Barclays account that is used within the first 90 days of account opening and 1% of all eligible electronic and telecommunications purchases made with the card to AARP Foundation, in support of efforts to increase social connection. Total maximum donation by Barclays is $1 million annually.

American College of Physicians Credit Card

February 8, 2021AssociationsBank of America, Intro APR, No annual fee, RewardsLeonard Kreicas

American College Physicians Credit Card

Get a $200 cash back bonus after charging $1000, within 90 days, to a new American College of Physicians Credit Card.

Finance larger purchases for the first 12 billing cycles by making at least the minimum payment due with an introductory APR of 0%.

On top of those incentives card holders get these rewards for the life of the programs every time they shop:

3% cash back in one of the following categories: gas, online shopping, dining, travel, drug stores, home improvement or furnishings
2% cash back at grocery stores and wholesale clubs and
1% cash back on other eligible purchases

Certain restrictions and limits apply, so make sure to read the fine print in the application.

The Visa Signature Card from Bank of America, offers many features such as lost luggage reimbursement, cell phone protection, extended warranties, and more at no cost to the cardholder.

TERMS & BENEFITS

Grace Period: 25 days
Annual Fee: $0
APR Purchases after intro: 16.24% to 26.24%
APR Balance Transfers after intro: 15.74% to 25.74%
APR Cash Advances: 19.24% to 27.24%
Balance Transfer Fee: 3% (min $10)
Cash Advance Fee: 3% (min $10)
Foreign Transaction Fee: 3%
APR Balance Transfer: 15.74% to 25.74%
APR Cash Advances: 24.24%
Fraud Protection: yes
Alerts on card use and bills available
Complimentary monthly FICO scores available
24/7 customer service for questions and assistance

This credit card is open only to members of the American College of Physicians(ACP), which serves doctors on a variety of ways according to its web site.

“ACP is a national organization of internists, the largest medical-specialty organization, and second-largest physician group in the United States. Our 161,000 members include internists, internal medicine subspecialists, medical students, residents, and fellows.”

PenFed Credit Union Credit Cards

December 21, 2020Credit UnionIntro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

PenFed Credit Union office building — Photo credit: PenFed Credit Union

PenFed Credit Union offers members four great credit card choices to fit their budgets.

PenFed Pathfinder® Rewards Visa Signature® Card features

50,000 bonus points credit after charging $3,000 on your new card within 90 days of account opening
4 times the points on all travel categories for members of the PenFed Honors Advantage program
Earn 3 points on all travel category purchases
All other eligible purchases earn 1.5 points per dollar spent
$95 annual fee

Power Cash Rewards Visa Signature® Card features

Generous 2% cash back on all eligible purchases for PenFed Honors Advantage Members
1.5% cash back on all eligible purchases for non-members
$100 bonus statement credit when you spend $1,500 with new card within first 90 days
No Annual Fee

Platinum Rewards Visa Signature® Card features

5 times the points on gas purchases paid at the pump
3 times the points on supermarket purchases
1 point per dollar charged on all other eligible purchases
$100 bonus statement credit when you spend $1,500 with new card within first 90 days
No Annual Fee

Gold Visa® Card features

0% introductory APR on balance transfers for the first 12 months
APR as low as 7.49% for qualified applicants
$100 bonus statement credit when you spend $1,500 with new card within first 90 days
No Annual Fee

Credit card users had numerous benefits cash purchases did not provide, such as:

Careful tracking of dates and prices paid
Zero liability on fraudulent charges
Identity theft protection
EMV Chip Technology
Contactless tap to pay on enabled terminals
Online banking from the convenience of your residence
Click to pay online (where available) with Visa’s smart and secure online checkout
Mobile banking from wherever you’re located
No need to worry about carrying or losing cash
Instant alerts on suspicious transactions
Paperless statements which cannot be lost
Secure Apple Pay feature

Credit Union membership is required.

A little-known additional feature is available to active duty members of the United States Military. They may be eligible for SCRA benefits, such as a 6% APR cap on credit cards. Note though, SCRA does NOT relieve cardholders from making credit card payments on time!

For more information on qualifying and features of SCRA visit saveandinvest.org

CREDIT CARDS

Choose the right credit card for you

Tag Archives: Intro APR

American College of Physicians Credit Card

TERMS & BENEFITS