ABOC Union Strong Credit Card Review [2023]: No Annual Fee, a Low APR, and Great Rewards

ABOC Union Strong Credit Card provides a generous sign-up bonus and the chance to earn bonus rewards on rotating purchase categories.
Last updated May 8, 2023 | By Christy Rakoczy

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Note: Applications are no longer being accepted for the ABOC Union Strong Credit Card. If you are interested in earning rewards yet not interested in an annual fee, check out our list of the best rewards credit cards with no annual fee.

If you're a union member or a supporter of unions, you should take a look at ABOC's Union Strong Credit Card.

ABOC, or Amalgamated Bank of Chicago, has a long and proud history of offering financial products to labor unions, including auto workers, textile workers, communications workers, and more. The bank's Union Strong Credit Card is one of the affordable products offered to both union members and those who support worker's rights to organize.

The card charges a $0 annual fee, has a very low APR, provides a generous sign-up bonus, and offers a very competitive rewards program — all while making it easy to redeem rewards for travel or merchandise. There's plenty of reasons to sign up for it, and this ABOC Union Strong Credit Card review will help you to decide if this card's key features make it the best credit card to keep in your wallet.

Easy rewards, no annual fee

ABOC Union Strong Credit Card

ABOC Union Strong Credit Card

Current Offer

Earn a $150 statement credit after spending $1,200 on purchases in the first 90 days

Annual Fee


Rewards Rate

5X rewards on up to $1,500 in quarterly bonus categories, and 1X rewards on all other purchases

Benefits and Drawbacks
Card Details

Who should get this card?

If you are a labor union member or union supporter that wants to get credit from a bank with a long history of working with organized labor, you may be prompted to take a close look at the ABOC Union Strong Credit Card.

When you do, you're likely to get excited by what the card offers — especially if you are looking for a low APR card, are a frequent traveler, or often spend on the types of purchases that earn you extra rewards with this card.

Not only is the Union Strong card's standard APR well below what many cards charge, but you'll also benefit from a 0% intro APR on purchases and balance transfers for a full 12 months after account opening (then 9.25% (variable)).

To cash in your rewards, you’ll need to sign up for an ABOCRewards.com account. Doing so is easy and you'll effortlessly be able to redeem points online or via phone once you've started earning them. You should also be ready to spend $1,200 within the first 90 days as a new account holder if you hope to earn the card's $150 statement credit sign-up bonus.

Card Basics

Card Type 0% APR
Annual Fee $0
Intro Bonus Earn a $150 statement credit after spending $1,200 on purchases in the first 90 days
Recommended Credit Score Excellent, Good
Intro APR 0% intro APR on purchases for 12 months (then 9.25% (variable))

0% intro APR on balance transfers for 18 months (then 9.25% (variable))

Foreign Transaction Fee None

Top Card Benefits

  • Easy-to-earn welcome offer: Spend just $1,200 on your new ABOC Union Strong Credit Card within your first 90 days as a new cardholder and you will earn a $150 statement credit. This $1,200 spending minimum is less than what many competitors require to earn a sign-up bonus.
  • Intro APR: ABOC's Union Strong card offers a 0% introductory APR on purchases and balance transfers for 12 months. Plus, the standard APR of 9.25% (variable) after 12 months is well below what many competitors charge.
  • Simple rewards program with bonus categories: Earn 5X rewards on up to $1,500 in quarterly bonus categories, and 1X rewards on all other purchases. That rate of reward is competitive with the top cashback cards on the market.
  • Flexible redemption options: You can choose how to redeem points, whether it’s towards travel, gift cards, or a statement credit. Points don't expire and you can redeem easily online or via phone. 
  • Union-friendly perks: Union members may be eligible to skip monthly credit card payments if they’re on a union-sanctioned strike that has lasted 30 or more days — provided the union notifies ABOC. Skipping a payment is also possible when the union has chosen a no-pay option month.

Earning & Redeeming

Best ways to earn

The best way to earn points on your Union Strong card is to max out the card's bonus categories each quarter, which allow you to earn 5X points on rotating bonus categories such as travel, home improvement, or grocery purchases (up to the first $1,500 spent each quarter). You can find the quarterly calendar on ABOC's website.

The 2019 categories where you can earn 5X points include:

  • Grocery and dining purchases: From January through March, cardholders were eligible for 5X points on purchases at grocery stores, pharmacies, and restaurants.
  • Home improvement purchases: During the months of April, May, and June, cardholders could earn the bonus 5X points on purchases made at home improvement stores as well as on qualifying home improvement purchases at warehouse and wholesale clubs.
  • Travel: July, August, and September were ideal months for jetsetters who could earn bonus cash back on qualifying purchases with airlines, hotels, and travel agencies. Cruises and car rental purchases also provide bonus cash back.
  • Automotive purchases: From October through December, bonus cash back is available on service, repairs, and car parts purchased with the ABOC Union Strong card.

You can also earn additional points by shopping with partner merchants directly from ABOCRewards.com. Whenever you plan to buy, start at this site and see if you can click through to a partner merchant to maximize the points you earn.

Maximizing redemptions

The good news for those looking for a flexible card is that the ABOC Union Strong Card provides plenty of redemption options through ABOCRewards.com.

You can also book travel, purchase merchandise, request a statement credit, or buy merchant gift cards with your points. The value of your points will vary depending on how you redeem, however, so compare offers when redeeming to choose the one that offers the best deal.

Common Questions

Am I eligible for the ABOC Union Strong Credit Card?

You do not have to be a union member to get the Union Strong Credit card as the card is open to both union members and supporters of labor unions. You are also not required to live in Chicago to get the card. However union members get additional benefits, such as the ability to skip payments during a sanctioned strike, which are not available to non-union members.

Do ABOC reward points expire?

Rewards points do not expire with your ABOC Union Strong credit card. But if your account is no longer in good standing because you default or if you close your account while you have remaining points, you could lose the points you have.

Can I prequalify for the ABOC Union Strong Credit Card?

Eligibility for the Union Strong credit card depends on your creditworthiness. You cannot prequalify for the card and, although you can apply online, you'll need to be aware that this will result in a hard credit check.

Other Cards to Consider

While the ABOC Union Strong Card offers great features and generous rewards, there are also some other credit cards out there with no annual fees to consider. Here are a couple others to take a look at when deciding if the ABOC card is right for you.

The Discover it® Cash Back is similar to the ABOC Union Strong Card in that it too offers 5% cash back in quarterly rotating categories (including gas stations, grocery stores, restaurants, and Amazon.com), up to quarterly maximum, and 1% cash back on all other purchases. But it offers some benefits the ABOC Union Strong card doesn't, including a longer 0% intro APR period of 15 months (then 16.74% to 27.74% (variable)). New cardholders can also automatically get an unlimited dollar-for-dollar match of any cash back you've earned at the end of your first year. The ABOC Union Strong Card, however, stands apart because it has a lower standard APR than the Discover option once the promotional rates expire.

The Chase Freedom Unlimited® has a more robust rewards program where you can earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. The Freedom Unlimited also has a longer 0% intro APR on purchases at 15 months (then 19.74% - 28.49% Variable).

Easy rewards, no annual fee

ABOC Union Strong Credit Card

ABOC Union Strong Credit Card

Why We Like It

Earn a $150 statement credit after spending $1,200 on purchases in the first 90 days

See how these cards compare:

Discover it® Cash Back
Discover it® Cash Back
  • Up to 5% cash back
  • Intro APR on purchases and balance transfers
  • Automatically get an unlimited dollar-for-dollar match of any cash back you've earned at the end of your first year
  • No foreign transaction fees
Chase Freedom Unlimited®
Chase Freedom Unlimited®
  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back
  • Bonus rewards on eligible travel, dining, and drugstores
  • No annual fee
  • Intro APR on purchases and balance transfers

Author Details

Christy Rakoczy Christy Rakoczy has a Juris Doctorate from UCLA Law School with a focus in Business Law, and a Certificate in Business Marketing with an English Degree from The University of Rochester. As a full-time personal finance writer, she writes about all things money-related but her special areas of focus are credit cards, personal loans, student loans, mortgages, smart debt payoff strategies, and retirement and Social Security. Her work has been featured by USA Today, MSN Money, CNN Money and more, and you can learn more at her LinkedIn profile.