Amalgamated Bank Card Application Disclosures

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About Amalgamated Bank Cards

Our Bank Cards are consistently recognized by national publications as one of the best Bank Cards available. Along with our low interest rate, it has a grace period of at least 25 days from billing on purchases if the balance is paid in full. Join our optional AmalgaMiles program ($15 annual fee if you have a Union Card and $29 if you have any other type of card) where you earn miles toward travel discounts or a ticket with every purchase made with an Amalgamated Bank Card. The Bank Card can now be used at ATMs in over 100 countries and territories on all seven continents. The bank offers a highly competitive Bank Card program that includes Gold, Gold Plus, Standard, Standard Plus, and Secured cards, as well as an Affinity Bank Card Program and Corporate Bank Card. Whatever your need is for Bank Cards, Amalgamated has a product designed for you.

How to Apply

Apply on-line! If you wish to apply for a Secured Card please call (800) 365-6464.

Amalgamated Bank Card Account Disclosures

Click Here to view the disclosures.

(Is included with your Amalgamated Bank Card Account Agreement and Disclosure Statement, these disclosures show the current rates and charges applicable to your Bank Card account.)

Amalgamated Bank Card Application Disclosures

As required by law, the rates, fees, other costs and certain other terms of this credit offer are disclosed below. The Amalgamated Bank Credit Card Cardmember Agreement sets forth all account terms and will be sent with the card upon approval. Account terms may change. Any changes will be in accordance with your Cardmember Agreement and applicable law.

Interest Rates and Interest Charges

Union, Gold and Gold Secured Gold Plus and Union Plus Standard Standard Plus Standard Secured
Annual percentage rate (APR) for purchases 9.25% 7.25% 10.75% 7.50% 12.75%
These APRs will vary with the market based on the Prime Rate.
APR for Balance Tranfers 9.25% 7.25% 10.75% 7.50% 12.75%
These APRs will vary with the market based on the Prime Rate.
APR for Cash Advances 14.25% 12.25% 15.75% 12.50% 17.75%
These APRs will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

Annual Fee None for Union, Gold or Standard;
$35 for Union Plus;
$37 for Standard Plus;
$45 for Gold Plus;
$50 for Gold Secured or Standard Secured;
Transaction Fees
  • Cash Advance
  • Balance Transfer
  • International Transaction

3% of each advance (minimum $5)
3% of each advance (minimum $5)
3% of transaction amount
Penalty Fees
  • Late Payment

  • Returned Payment

$15 for a balance up to $99.99;
$20 for a balance up to $100 to $999.99; or
$35 for a balance of $1,000 or more

Up to $25

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new transactions).' See your account agreement for more details.

Negative Credit Reporting: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

CA Residents: A married applicant may apply for a separate account.

DE and MD Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

NY Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees and grace periods. New York State Department of Financial Services 1-800-518-8899.

OH Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

Married WI Residents: No provision of a marital property agreement, a unilateral statement under section 766.59 or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

30 North LaSalle Chicago, IL 60602 312-822-300028600 Bella Vista Parkway Warrenville, IL 60555 630-225-4300