
The Aboc Platinum Rewards Card is a solid choice for anyone looking to earn rewards and enjoy some premium benefits. It's a great option for those who want to earn points on their everyday purchases and redeem them for travel, cashback, or other rewards.
The card offers a generous sign-up bonus of 60,000 points after spending $3,000 in the first 90 days. This is a great starting point for building your rewards balance.
You can earn 3 points per dollar on travel and dining purchases, and 1 point per dollar on all other purchases. This means you can rack up points quickly on your daily expenses, whether it's a weekend getaway or a night out at your favorite restaurant.
The Aboc Platinum Rewards Card also comes with a range of benefits, including travel insurance, concierge service, and exclusive access to events. These perks can add real value to your card and make it a worthwhile investment.
For more insights, see: Platinum Travel Credit Card
Card Details
The ABOC Platinum Rewards Mastercard is a no-annual-fee cash back card with rotating categories.
It's accepted at over 30 million merchants worldwide, making it a convenient option for daily purchases.
The card has a 0% APR for the first 12 months, which can be a huge help for those who need to make large purchases.
You can earn a $150 statement credit after making $1,200 in purchases within the first 90 days of account opening.
The card has a rotating 5X earning categories, up to $1,500 in spend per quarter, which can be a great way to earn rewards on popular categories like dining, groceries, travel, and automotive.
Here are the card's offer details:
- Earn a $150 statement credit after making $1,200 in purchases within the first 90 days of account opening.
- No annual fee
- 1 ABOC Rewards point per $1 spent otherwise
- Rotating 5X earning categories, up to $1,500 in spend per quarter
- 0% APR for the first 12 months
- Points can be redeemed for travel, gift cards, merchandise, and statement credits.
- 3% Foreign Transaction Fee
Sign-up Bonus and Intro APR
You can earn a $150 statement credit after spending $1,200 on purchases within the first 90 days from account opening.
The ABOC Platinum Rewards Mastercard Credit Card offers a 0% intro APR on purchases for 12 months, which is a solid time frame to pay off your balance without interest.
This 0% intro APR period is long enough to give you some breathing room to pay off your debt, but keep in mind that the ongoing APR of 12.90%-22.90% Variable APR will kick in after the promotional period ends.
For more insights, see: Typical Apr for a Platinum Visa Card
Offer Status
The ABOC Platinum Rewards Mastercard Credit Card is a hidden gem in the world of rewards credit cards. It offers automatic 5X points in rotating categories.
This card also comes with a nice sign-up bonus, making it a great option for those looking to earn some extra rewards.
No annual fee is a significant perk, as it means you won't have to worry about paying extra just to use the card.
$150 Sign-up Bonus
You can earn a $150 sign-up bonus by spending at least $1,200 on purchases within the first 90 days from account opening.
Some cards offer a lower spending threshold, but the amount of the reward is comparable. For example, if you spend at least $1,200 on purchases within the first three months of getting this card, you'll receive a statement credit for $150.
This sign-up bonus can be a great incentive to start using your new credit card, especially if you need to make a big purchase soon.
For your interest: First Progress Platinum Elite Mastercard Secured Credit Card
Rewards and Earning
You earn points for every dollar you spend, with $1 equaling 1 point. The ABOC Platinum Rewards credit card offers a variety of rewards options, including travel, cash, gift cards, and merchandise.
All eligible purchases on the card earn 1 ABOC Rewards Point per dollar spent, with no cap to the amount of rewards that can be earned. This means you can earn as many points as you spend.
You can earn 5X points on spending in bonus categories, such as dining, groceries, travel, and automotive, up to $1,500 quarterly spending cap. The 5X bonus categories change seasonally, with different categories announced each quarter.
Here are the 5X bonus categories for each quarter:
- January β March: Dining, Grocery, and Pharmacy
- April β June: Home Improvement & Wholesale/Warehouse Clubs
- July β September: Travel (airline, cruise, car rental, hotel, and travel agency purchases)
- October β December: Automotive parts, service, and repair purchases
Methodology
We take a comprehensive approach to evaluating credit cards, considering both the numerical and experiential aspects of a card. Quantitative features, such as fees, interest rates, rewards earning rates, and redemption values, are given significant weight.
Our methodology also accounts for qualitative factors, like the ease of application and the simplicity of the rewards structure, which can greatly impact a cardholder's ability to get good value from the card.
A card's ease of application can make a big difference in its usability - a straightforward process can lead to greater adoption and satisfaction.
Up to 5X Points
The ABOC Platinum Rewards Mastercard Credit Card offers a robust rewards program that can help you earn a significant amount of points on your purchases. You can earn up to 5X points on spending in bonus categories, such as dining, grocery, and travel.
The bonus categories for 5X points are announced quarterly, starting from 2019. Here are the categories for each quarter:
- January β March: Dining, Grocery, and Pharmacy
- April β June: Home Improvement & Wholesale/Warehouse Clubs
- July β September: Travel (airline, cruise, car rental, hotel, and travel agency purchases)
- October β December: Automotive parts, service, and repair purchases
The 5X points are worth more or less, depending on how you redeem them. The card doesn't require you to opt-in to earn more points, and the bonus category spending automatically counts towards the 5X points.
Expand your knowledge: Platinum Card Points
Is the You?
If you're considering the ABOC Platinum Rewards Mastercard, it's worth asking if it's the right card for you. It's a solid choice for those looking for a no-annual-fee rewards credit card with no foreign transaction fees.
You might be wondering if there are other options worth considering. The article mentions several strong competitors, including the American Express Platinum, Wells Fargo Active Cash, and Chase Sapphire Preferred.
Check this out: Is the Delta Platinum Card Worth It
If you're looking for a first rewards card to build credit, the ABOC Platinum Rewards Mastercard could be a good starting point. However, if you're chasing cash back or more flexible rewards, you may want to explore other options.
Some popular credit cards are listed in the article, including the Capital One Venture X and the Chase Freedom Flex. These cards offer a range of rewards and benefits that may be more suitable for your needs.
Here are some popular credit card categories to consider:
- Best Credit Cards of 2025
- Best First Credit Cards
- Best Student Credit Cards
- Best Credit Cards For Bad Credit
- Best Business Credit Cards
Redemption and Benefits
The ABOC Platinum Rewards Card offers a rewards program that allows you to redeem points for various options.
You can redeem points through the ABOC rewards portal, but the redemption values may not be competitive with other rewards cards.
The redemption values for statement credits are particularly notable, as they may not be the most favorable option.
The redemption values for statement credits are as follows.
Check this out: Amex Platinum Card Points
Frequently Asked Questions
What is the credit limit for ABOC Platinum Rewards Mastercard?
The average credit limit for ABOC Rewards Platinum cardholders is $3,166, with $500 being the most common limit. If you're interested in learning more about this card's credit limit and other benefits, click here to explore further.
What is a Platinum Rewards card?
The Visa Platinum Rewards Card is a credit card that rewards users with points on every purchase, offering a convenient way to earn rewards on daily expenses. With its attractive benefits, it's a great option for those seeking a hassle-free and rewarding credit card experience.
How do I get Platinum Rewards Bank of America?
To qualify for Platinum Rewards, you need to maintain a three-month average balance of $50,000 or more across your Bank of America accounts. This tier is automatically upgraded once you meet the savings minimum, no request is required.
Sources
- https://www.nerdwallet.com/reviews/credit-cards/aboc-platinum-rewards
- https://www.fool.com/money/credit-cards/mastercard/aboc-platinum-rewards-mastercard-review/
- https://milestomemories.com/aboc-platinum-rewards-mastercard/
- https://applynowcredit.com/blog/aboc-platinum-rewards/
- https://www.forbes.com/advisor/credit-cards/reviews/aboc-platinum-rewards-mastercard/
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