0% Intro Rate Credit Cards

• Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 15.49% – 25.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

• Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
• 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
• No foreign transaction fee
• No annual fee

• 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.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
• Earn 1.25X miles on every purchase, every day
• Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Transfer your miles to over 12 leading travel loyalty programs
• Enjoy 0% intro APR on purchases for 12 months; 13.49% – 23.49% variable APR after that

• 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

• 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. 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 14.99% – 24.99%, based on your creditworthiness. 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.

• The Citi Rewards+^SM Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
• Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
• 0% Intro APR on purchases for 7 months. After that, the variable APR will be 15.99% – 25.99%, 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 15.99% – 25.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
• No annual fee