The Amalgamated Bank MasterCard Personal Standard credit card is offered by the Amalgamated Bank of Chicago. The methods that this bank uses to calculate interest rates are a little different from most other credit card company, but this is also a credit card that comes with lots of bonuses.
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Although you won’t automatically be enrolled in a rewards program when you sign up for the Amalgamated Bank MasterCard Personal Standard credit card, you can do so after the fact. The AmalgaMiles Rewards Program is great for accumulating points by making everyday purchases with your credit card. Although the rewards are not calculated in the same manner as other travel credit cards, you can still get points for booking airline tickets. In addition, there is also the Credit Protection Program that gives consumers access to life insurance and protection against credit card theft.
Amalgamated Bank MasterCard Fees and Interest Rates
With the Amalgamated Bank MasterCard Personal Standard, the interest rate is locked in at 10.75%. This is considered a low interest rate credit card. Cardholders will also need to pay a yearly maintenance fee if they enroll in any rewards programs. Charges and purchases made outside of the United States are subject to a 3% transaction fee.
Late fees are charged depending on the balance remaining on the card. For balances that are less than $100, a $15 late fee will be assessed. Cardholders that have a remaining balance that ranges from $100 to less than $1,000 will be charged $29.
Amalgamated Bank MasterCard Application Process
In order to apply for the Amalgamated Bank MasterCard Personal Standard, you will need to fill out an application line or call the customer service phone number. If you opt to apply online, you will be given the option of applying for several credit cards offered by the Amalgamated Bank of Chicago at the same time. After that, you will be prompted to input your contact information and other pertinent details.
After the Amalgamated Bank of Chicago pulls your credit and verifies all of the information that you have listed on your application, you will receive a decision. The bank does not give any credit requirements on its website, so it is safe to say that their criterion is not too stringent.
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