ABOC Platinum Rewards Mastercard®: $150 cash back and 12 months of 0% APR

Its ABOC Platinum Rewards Mastercard offers you $150 in cash back in the form of a statement credit, the chance to earn 5x points, and 12 months of interest-free financing. And it now has no foreign transaction fees.

Pros

Cons

• $150 statement credit after you spend $1,200 in the first 90 days
• 12 months of 0% APR on purchases and balance transfers, 15.15% to 25.15% thereafter based on creditworthiness.
• 5x rewards for some purchases
• No annual fee (see Pricing & Disclosures)
• No foreign transaction fees
• Points never expire

• Longer-period promotional financing offers may be available with other cards
• Other cards have a base earn rate of higher than 1%

How the ABOC Platinum Rewards Mastercard credit card works

This card offers new applicants a $150 statement credit after you spend $1,200 on qualifying purchases within 90 days of account opening.

You also get 12 months of interest-free financing on both new purchases and balance transfers.

Finally, you’ll receive 5x rewards on up to $1,500 spent in certain featured categories and with featured merchants.

There’s no annual fee for this card, as of July 1, 2019, there are no longer any foreign transaction fees.

ABOC Platinum Rewards Mastercard review: Table of contents

How to earn rewards 

With this card, you can earn five points per dollar on up to $1,500 spent each quarter in featured merchant categories like dining, groceries, travel, and automotive. For example, in the third quarter of 2019 (July – September), you earn 5x points on your first $1,500 spent on gasoline and travel purchases including airfare, car rental, cruises, hotels, travel agencies.  You can also earn additional points by shopping through ABOCRewards.com.

You earn one point per dollar spent on all other purchases in non-featured categories.

Fidelity Rewards review: Earn 2% cash back with no annual fee

Review Summary: The Fidelity® Rewards Visa Signature® Credit Card offers a simple but valuable cash back offer. This card is also appealing to those who want their rewards to go directly into an investment account.

Pros

Cons

• $100 welcome bonus after spending $1,000 within the first 90 days of the account opening
• 2% cash back on everything with no limits
• Rewards are deposited into a qualifying Fidelity investment account
• No annual fee

• Must be a Fidelity customer to apply
• 1% foreign transaction fee

How the Fidelity Rewards credit card works

This card offers you 2% cash back on all purchases and your rewards must be deposited into a qualifying Fidelity account such as a brokerage account, 529 college savings plan, retirement account or health savings account (HSA). Otherwise, it’s a very simple card that comes with some valuable shopping and travel benefits. There’s no annual fee and a 1% foreign transaction fee.

Fidelity Rewards Visa Signature review: Table of contents

How to earn rewards 

The Fidelity Rewards card offers you a blanket two reward points per dollar spent, and reward points don’t expire as long as your account remains open. There is no limit to the number of points you can earn.

USAA Rate Advantage Visa Platinum card review

Review Summary: Credit cards can be tough to manage for some military families. Between deployments, moves to a new base and other common military challenges, credit cards might slip to back of mind quickly.

With the USAA Rate Advantage Visa Platinum card, you won’t have much to worry about.

As a Visa Platinum cardholder, you get plenty of value in return. As a military member or military family, you know USAA has your best interests in mind.

If you are in the military or a veteran, you should seriously consider this low-cost card.

Pros

Cons

• No annual fee or foreign transaction fees
• Lowest interest rate available from USAA
• No penalty APR

• Balance transfer and cash advance fees up to 3%
• No cash back or travel rewards

How the USAA Rate Advantage Visa Platinum credit card works

Credit card overview

The USAA Rate Advantage Visa Platinum card is a great low-cost card designed primarily for military and veteran families.

It offers the lowest interest rates you can get from a USAA credit card with no annual fee and no foreign transaction fees.

The card is filled with useful benefits, including a special lower Deployment/PCS (Permanent Change of Station) interest rates and SCRA (Servicemembers Civil Relief Act) interest rates exclusively designed for the military.

With no foreign transaction fees and a security chip, you know you can use the card wherever your service takes you and your family can swipe and dip the card with ease on- or off-base.

There is no miles, points, or cash back benefit reward program for this card. It is all about keeping costs and fees low for military members and veterans like you.