Mastercard Credit Cards

• 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

• 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.

• 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.

• 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.

• Pay no annual fee
• Get access to a higher credit line after making your first 5 monthly payments on time
• Fraud coverage if your card is lost or stolen
• Use online banking to access your account, even from your smartphone, with our mobile app
• Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
• Get access to your account 24 hours a day, 7 days a week
• Help strengthen your credit for the future with responsible card use

• Earn unlimited 1.5% cash back on every purchase, every day
• Earn cash rewards without signing up for rotating categories
• Get access to a higher credit line after making your first 5 monthly payments on time
• Monitor your credit profile with the CreditWise® app, free for everyone
• $0 fraud liability if your card is ever lost or stolen
• No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
• Help strengthen your credit for the future with responsible card use
• Get customized alerts and manage your account with the Capital One mobile app

• 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

• Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
• Enjoy no annual fee and no foreign transaction fees
• Get a head start and build your credit with responsible use
• Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
• Pick the monthly due date that works best for you
• Get access to a higher credit line after making your first 5 monthly payments on time
• $0 fraud liability if your card is ever lost or stolen
• Monitor your credit profile with the CreditWise® app, free for everyone

• No annual fee, and all the credit building benefits with responsible card use
• Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
• Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
• Make the minimum required security deposit and you’ll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
• Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
• Easily manage your account 24/7 with online access, by phone or using our mobile app
• It’s a credit card accepted at millions of locations worldwide

• The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
• Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
• Use your card anywhere Mastercard® is accepted — worldwide.
• A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
• Get help staying on track with Auto Pay and account alerts.
• With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
• Manage your account 24/7 online, by phone, or in our mobile app.
• The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi’s discretion