Credit Cards for Excellent Credit

• Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
• Earn 2X miles on every purchase, every day.
• Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
• Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Named ‘The Best Travel Card’ by CNBC, 2018
• No foreign transaction fees
• $0 intro annual fee for the first year; $95 after that

• Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Earn unlimited 1.5% cash back on all purchases.
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 – 25.24%.
• 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
• No annual fee
• No minimum to redeem for cash back
• Cash Back rewards do not expire as long as your account is open

• 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
• 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness.
• If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
• There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
• Get free access to your FICO^® score online.
• With Citi Entertainment^SM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
• Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi^® Identity Theft Solutions.
• The standard variable APR for Citi Flex Plan is 15.24% – 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

• No Late Fees, No Penalty Rate, and No Annual Fee… Ever
• 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
• 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
• If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
• The standard variable APR for Citi Flex Plan is 16.24% – 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
• Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

• One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
• 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
• 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
• Pay no annual fee or foreign transaction fees

• Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
• Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
• No foreign transaction fees
• Capital One cardholders get access to premium experiences in dining, entertainment and more
• $0 intro annual fee for the first year, $95 after that

• The Citi Rewards+^SM Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
• Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% – 24.99%, based on your creditworthiness.
• Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
• The standard variable APR for Citi Flex Plan is 14.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

• Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
• The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi’s discretion.

• 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
• Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
• Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
• No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
• Earn Points on Every Purchase! It’s simple: $1 = 1 Point
• No Annual Fee or Foreign Transaction Fee
• Select Your Rewards Your Way

Reviewing The ABOC Platinum Rewards Mastercard
Most credit cards with rewards are usually offered to people with excellent credit scores, however the ABOC Platinum Rewards Mastercard is available to people with fair or good credit. That makes the card a viable choice for millions of additional consumers.

Main Benefits Of The ABOC Platinum Rewards Mastercard
If you pay off your balance each month on time and in full, you should get some type of rewards card so you can earn money from using your credit card. The ABOC Platinum Rewards Mastercard is a good rewards card. There is a significant early spend bonus: you’ll earn a $150 statement credit after spending $1,200 on purchases with your card in the first 90 days from opening the account.

In addition, the card’s on-going rewards program is very easy to understand. For every dollar spent, you earn one ABOC Rewards Point. The points never expire and you can earn an unlimited number of points.

ABOC also offers ongoing quarterly promotions where cardholders can earn significant bonus points. ABOC gives five points per $1 spent on the first $1,500 in combined purchases each quarter on these categories:

First Quarter: Monthly Bills (qualifying utilities, cell, cable, Amazon Prime and streaming subscription services)
Second Quarter: Dining and Transportation (grocery, restaurant, several forms of transportation)
Third Quarter: Travel (airline, cruise, car rental, hotel, travel agency, gas, tolls, ride share)
Fourth Quarter: Department Stores (qualifying department and electronics stores, superstores, Amazon.com, and other major online retailers)

Cardholders must have a registered account at ABOCRewards.com to take advantage of these bonus points.

Extra points can be earned by shopping at featured retailers through ABOC’s shopping portal. Points can be redeemed for cash in the form of statement credits, gift cards, merchandise, car rentals, hotels, cruises and airfare.

The ABOC Platinum Rewards Mastercard offers new cardholders 0% APR for 12 months on both purchases and 18 months on balance transfers. After the introductory rate ends, the standard rate for purchases and balance transfers will be 14.40% - 24.40% (variable) based on your creditworthiness when you applied. Cash advances have a rate of 26.49% (variable).

The card does not have an annual fee, and you will not incur a penalty interest rate if you are late with or miss a monthly payment, although a one-time fee will apply per missed payment. It offers extended warranty and price protection coverage, and is compatible with most mobile wallet apps, including Masterpass, Apple Pay, Samsung Pay, and Android Pay.

Even though it is offered by a community bank, it is a Mastercard, so it is accepted by over 30 million merchants around the world.

Main Drawbacks Of The ABOC Platinum Rewards Mastercard
While this card does have a rewards program, there are credit cards with more attractive rewards, especially for consumers who have excellent credit. Cardholders receive one point for every dollar spent or a 1% return. There are a number of rewards cards that pay the equivalent of 1.5% rewards, or enhanced rewards for purchases made in certain categories.

Who The ABOC Platinum Rewards Mastercard Is Right For
This is an attractive rewards card for those that may not have excellent credit. Consumers with fair or good credit scores have relatively few options when it comes to cards that have rewards and benefits, yet come with no annual fee. Those consumers should definitely take a hard look at the ABOC Platinum Rewards Mastercard.

• Earn up to 75,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open.
• 3,000 bonus points after your Cardmember anniversary.
• 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
• 1 point per $1 spent on all other purchases.
• All points earned count towards Companion Pass.
• No blackout dates or seat restrictions.
• Redeem your points for flights, hotel stays, gift cards, access to events, and more.

• Earn up to 75,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open.
• 6,000 bonus points after your Cardmember anniversary.
• 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
• 1 point per $1 spent on all other purchases.
• No foreign transaction fees.
• No blackout dates or seat restrictions.
• Redeem your points for flights, hotel stays, gift cards, access to events, and more.

• Earn up to 75,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open.
• 7,500 bonus points after your Cardmember anniversary.
• $75 Southwest® travel credit each year.
• 4 Upgraded Boardings per year when available.
• 20% back on in-flight drinks and WiFi.
• 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
• 1 point per $1 spent on all other purchases.
• No foreign transaction fees.

• Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
• No Annual Fee
• Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
• Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
• Earn 1 AAdvantage® mile for every $1 spent on other purchases
• Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
• The standard variable APR for Citi Flex Plan is 17.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

• Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• 0% introductory APR for 12 months on purchases
• Employee cards at no additional cost
• No Annual Fee

• Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• Earn 1% cash back on all other card purchases with no limit to the amount you can earn
• 0% introductory APR for 12 months on purchases
• Employee cards at no additional cost
• No Annual Fee

• Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
• Redeem points for travel, cash back, gift cards and more – your points don’t expire as long as your account is open
• No foreign transaction fees
• Employee cards at no additional cost
• $95 Annual Fee

• Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
• Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
• Save on interest with 0% intro APR on purchases for 9 months; 14.49% – 22.49% variable APR after that
• No annual fee
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
• $0 Fraud Liability if your card is lost or stolen
• No foreign transaction fees

• Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
• Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
• Save on interest with 0% intro APR on purchases for 9 months; 14.49% – 22.49% variable APR after that
• No annual fee
• Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Free employee cards which also earn unlimited 1.5X miles from their purchases

• Limited Time Offer: Earn up to $2,000 in cash bonuses
• Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
• Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
• $0 annual fee for the first year; $95 after that
• Free employee cards, which also earn unlimited 2% cash back on all purchases
• $0 Fraud Liability if your card is lost or stolen
• Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

• Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
• Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
• Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
• $0 intro annual fee for the first year; $95 after that