Credit Cards for Excellent Credit

• 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 14.74% – 24.74%, based on your creditworthiness.
• 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% – 24.74%, 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
• There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, 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

• 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 13.49% – 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
• 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 13.49% – 23.49%, 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 15.24%. 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 50,000 American Airlines AAdvantage^® bonus miles after $2,500 in purchases within the first 3 months of account opening
• Earn 2 AAdvantage^® miles for every $1 spent at gas stations and restaurants
• Earn 2 AAdvantage^® miles for every $1 spent on eligible American Airlines purchases
• Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
• No Foreign Transaction Fees
• First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
• Enjoy preferred boarding on American Airlines flights
• The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.