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ABOC Platinum Rewards Mastercard® Review


The ABOC Platinum Rewards Mastercard® supplies a strong introductory provide of zero curiosity, together with rewards you may earn simply via common spending. The cardboard additionally comes with Mastercard safety, which means you’ll be insured practically anyplace you store.

One other engaging characteristic of this card is that you simply don’t want glorious credit score to qualify. Even clients with honest credit score may get this card. If you happen to’re trying to construct up your credit score, a no-fee card like it is a unbelievable alternative. Plus, the ABOC Platinum Rewards Mastercard® is among the few bank cards that additionally doles out glorious rewards to clients with decrease credit score scores.

What we like concerning the ABOC Platinum Rewards Mastercard®

  • Get $150 as a press release credit score after you place $1,200 value of bills on the cardboard within the first three months
  • Every quarter, ABOC Platinum Rewards Mastercard® gives 5x factors on sure purchases on a rotating foundation, like payments, journey and eating; this extra perk applies solely to the primary $1,500 every quarter, however that may simply add up
  • Every greenback you spend on the cardboard will earn you one reward level, and also you’ll get additional factors whenever you purchase from an ABOC companion
  • Choose between a number of classes when redeeming your rewards factors
  • There’s no restrict to the variety of factors you may earn utilizing this card, so that you’ll get factors for each buy you make all yr
  • This card doesn’t cost an annual charge for cardholders, so that you don’t pay to obtain rewards

Issues to think about

  • Though incomes 5x factors on sure purchases quarterly is unbelievable, all different purchases solely earn 1x level
  • To maximise your rewards, it’s important to observe classes every quarter and ensure you are spending as much as $1,500 in them

ABOC Platinum Rewards Mastercard® particulars

Probably the greatest options of this card is its surplus of choices for redeeming the rewards you’re incomes. Many bank cards are extra strict and allow you to use your factors solely towards one class, like lodge stays or money again. Nonetheless, the ABOC Platinum Rewards Mastercard® has a number of redemption selections for cardholders.

You’ll be able to select to make use of your rewards for credit score in your assertion, miles, cruise vouchers, reward playing cards or merchandise. You can too determine to mix your rewards into a number of totally different classes. To redeem your factors, merely name customer support or use the web platform.

Charge particulars

The ABOC Platinum Rewards Mastercard® doesn’t include an annual charge or overseas transaction charges. Thus, you received’t get hit with an additional charge for every buy whenever you use your card overseas. The one additional price you may discover with this card is a late charge as much as $35 or a returned fee cost of as much as $25.

How does it evaluate to different rewards playing cards?

The ABOC Platinum Rewards Mastercard® is nice for anybody searching for excessive rewards on rotating classes every quarter, however there are different playing cards you may need to contemplate should you’re hoping for extra simplified rewards. The Citi Double Money Card and the Alliant Cashback Visa Signature Credit score Card are two unbelievable choices that don’t ask you to trace class adjustments each few months.

Card Ongoing Buy APR Annual Charge Intro Bonus Credit score Wanted Key options
ABOC Platinum Rewards Mastercard® 14.40% – 24.40% Variable APR on purchases None $150 assertion credit score after you spend $1,200 within the first three months Common
  • 5x factors on particular classes
  • Will settle for members with common credit score scores
  • Can be utilized with a digital pockets and earn factors
Citi® Double Money Card 15.49% – 25.49% (Variable) $0 None Glorious
  • Earn money again twice — 1% whenever you make a purchase order and 1% whenever you pay it off
  • Money again rewards apply to all purchases
  • No APR on stability transfers for the primary 18 months
Alliant Cashback Visa® Signature Credit score Card 12.49 – 15.49% (variable) $99, $Zero the primary yr 3% money again on practically all purchases for the primary yr Glorious
  • 2.5% money again after the primary yr on all purchases
  • Doubtlessly low APR
  • No overseas transaction charges

The underside line

If you happen to’re a buyer trying to rebuild credit score whereas additionally getting a bit of return, you could possibly do very nicely with the ABOC Platinum Rewards Mastercard®. So long as you’re prepared to place within the work to observe the rotating rewards classes, you could possibly rack up plenty of rewards whereas rising your credit score rating. The truth that the cardboard comes with no annual charge and an affordable APR means you may simply earn factors even when your credit score rating is decrease.

Nonetheless, some cardholders may need to look elsewhere. If you happen to’re hoping to earn a couple of level per greenback spent on all the things apart from the gadgets within the quarterly classes, it may be a good suggestion to hunt out a unique card. Different playing cards may give extra engaging advantages, particularly if in case you have a excessive credit score rating. Additionally, though some members will see the versatile redemption classes as a perk, if you need a card devoted to money again or journey, there are extra versatile choices on the market.

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