Rewards Without the High Rates or Big Bank Fees

Turn everyday purchases into valuable rewards without the high rates and fees often found with traditional rewards credit cards.

Apply & Transfer Today
Rewards Credit Card and Phone

0% Intro APR

Enjoy 0% APR* on purchases and balance transfers for the first 6 months.

Low Rates

Pay less interest over time with rates as low as 10.65% APR¹ after the introductory period.

$0 Hidden Fees

No annual fee. No balance transfer fee. No over-limit fee. More money in your pocket.

Bonus Points

Earn 10,000 bonus points (up to $100 in value) after spending $3,500 within your first 3 months.3

Turn Your Spending Into Real-World Rewards

Earn 1 point for every $1 spent and redeem your rewards for the things you enjoy most.
Travel

Save on flights with your points

If you’re looking to fly to your next destination, you can redeem your points to book your flights.

Hotel-Resort

Book stays using your rewards

Redeem your points for a relaxing stay at a hotel or resort; some of which may offer special packages.

Car-Rental

Cover travel costs with points

Whether it's for a weekend getaway or a long road trip, you can redeem your points towards car rentals.

Shopping

Redeem points for everyday purchases

Use points for gift cards or discounts on premium merchandise such as electronics, recreation, and homewares.

Redeem Your Points
$1 spent = 1 point

Keep More of Your Money

Here’s why members choose AMOCO Rewards Credit Card that helps them earn more while paying less.

Enjoy 0% Intro APR for 6 Months*

Your potential rate

10.65%

APR¹

After the introductory period

Compared to a typical credit card rate of

23.79% APR2

AMOCO Rewards Credit Card Typical Credit Cards
Intro APR
0% APR for 6 Months

Varies
Annual Fee
$0

Often $95
Balance Transfer Fee
$0

Often 3%-5%
APR
As Low as 10.65%

23.79% Avg.
Credit Line
Up to $30,000

Varies
Local Support
Yes

Often No

Bring Your Balance. Leave the Fees.

Many credit cards charge a fee just to transfer your balance. With AMOCO Rewards Credit Card, you can move your balance and put more of your money toward paying it down.

Apply & Transfer Today
New Credit Card Design Image

Built-In Protection for Every Purchase

We take security seriously. That’s why, our Rewards Credit Card’s security features are designed to help protect your account and give you peace of mind.

Built-In Protection for Every Purchase
Card Controls

Easily turn your credit card on or off if you suspect suspicious fraudulent activity or if it’s lost or stolen.

Stay connected to your accounts 24/7 with customizable alerts. This service offers free, electronic messages about recent account activity delivered to you by email, text, and mobile push notifications.

Securely add your Rewards Credit Card to your mobile wallet with Apple Pay, Samsung Pay, and Google Pay.

Mastercard offers a unique blend of complimentary solutions to help protect your account and resolve identity theft incidents, including Identity Monitoring.4 Bureau Credit Monitoring, Financial Account Takeover Alerts and White-Glove Restoration Service for complex situations.5

Access your account and manage payments through the AMOCO mobile app.

Ready to Get Rewarded?

Apply Now

Frequently Asked Questions

Still have questions? Here are some quick answers to help you get started.

How long does it take to get approved for the AMOCO Rewards Credit Card?
Most applications are reviewed within 24-48 hours, helping you get a decision quickly. Once approved, standard card delivery typically takes 7-10 business days. Expedited delivery is available in as little as 3-5 business days for a fee.
Does applying for a credit card affect my credit score?

Submitting a credit card application may result in a hard credit inquiry, which may affect your credit score slightly. The impact is typically minimal and varies based on your individual credit profile.

Who can apply for the AMOCO Rewards Credit Card?

Anyone 18 or older who meets AMOCO membership eligibility requirements can apply. Applicants under 21 must provide proof of income or apply with a qualified co-signer. A co-signer may also help increase your available credit line, subject to credit approval.

Can I transfer a balance from another credit card?

Yes. You can transfer balances from higher-rate credit cards and start saving on interest. New cardholders can enjoy a 0% Intro APR for the first 6 months on eligible balance transfers. There is no minimum transfer amount, and the maximum transfer amount is based on your approved credit limit.

What rewards can I earn with the AMOCO Rewards Credit Card?

You’ll earn 1 point for every $1 spent, turning everyday purchases into real rewards. Points can be redeemed for:

  • Travel
  • Gift cards
  • Merchandise
  • And more
Does the AMOCO Rewards Credit Card have an annual fee?
No. The AMOCO Rewards Credit Card has no annual fee.
What is the introductory offer?

New cardholders can enjoy a 0% Intro APR for 6 months on purchases and balance transfers and earn up to $100 in bonus rewards after meeting qualifying spending requirements.

Subject to membership eligibility. APR = Annual Percentage Rate. *Intro Fixed Rate applicable until the first day of the billing cycle that includes the 6 month anniversary date of the opening of your account. Standard rate thereafter. Rates and terms determined by borrower’s credit qualifications. The standard APRs will vary with the market based on the Prime Rate. 1Best Rate may vary based on personal credit history, terms, and other factors. 2National Average Source: Lending Tree, as of January 9, 2026. 3Bonus points offer is available to new credit cardholders only. Bonus points are credited as a lump sum after a minimum spend of $3,500 on qualifying purchases made within the first three months of the opening of the credit card account. Returned or disputed transactions may affect eligibility. It may take 7–10 business days after approval to receive your AMOCO Rewards Credit Card in the mail. Visit www.AMOCOfcu.org/disclosures to view our AMOCO REWARDS Program rules and disclosures. Additional restrictions may apply. AMOCO reserves the right to adjust or cancel the promotion at any time. For a complete list of all rates and terms, visit us online at www.AMOCOfcu.org/loan-rates. Some fees and restrictions may apply.

4For specific restrictions, limitations, and other details, see your card agreement or contact AMOCO Federal Credit Union. 5Sign up required for some services. Call 1.800.Mastercard for sign up details, or visit mastercard.com. Mastercard is a registered trademark of Mastercard International Incorporated.