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Astoria Bank Maximum Rewards Credit Card

Astoria Bank Maximum Rewards Credit Card


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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!

  • APR Variable 16.24% -23.24%
  • Intro APR 0% for the first 12 billing cycles
  • Balance Transfer APR Variable 16.24% -23.24%
  • Balance Transfer Intro APR 0% for the first 12 billing cycles
  • Cash Advance APR 25.49%
  • Penalty APR None
  • Annual Fee $0
  • Late Payment Fee $37
  • Cash Advance Fee 5% (minimum $15)
  • Returned Payment Fee $35
  • Balance Transfer Fee 3% for the first 12 billing cycles. After that, 5%
  • Foreign Exchange Fee 3%
  • Minimum Interest Charge $1.75


  • Click "APPLY NOW" to apply online
  • Earn 1 point for every $1 in qualifying purchases with no limit to the number of points you can earn.
  • Redeem points for gift cards, cash back in the form of a credit to your account, merchandise, travel and more.
  • The partial pay option requires a minimum of 1,000 points and the balance owed in dollars can be paid with the credit card.

Expert Reviews

From the Editorial Team

The Astoria Bank Maximum Rewards Credit Card lets you earn reward points that you can use toward merchandise, gift cards, travel rewards, and can be used to get cash back as a statement credit on your account. The Rewards card allows you make a purchase using a combination of points and dollars.

Expert Reviews of the Astoria Bank Maximum Rewards Credit Card

  • 2.0

    Regular APR

  • 5.0

    Intro APR

  • 2.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The 0% introductory rate is of great value if you are carrying a balance and or plan to make a large purchase, giving you time to pay it down without interest. But if you tend to make late payments or plan to carry a large balance beyond the 12-month introductory period, the variable APR on this card is exorbitant.  

The Good

In addition to the 0% introductory APR, the Rewards program that comes with this card does not require an annual fee and offers a variety of ways to earn points. We especially like that you can combine points with dollars (that can be paid with the credit card) to make a purchase.

The Not So Good

Although this card comes with 0% introductory APR, the fees and interest rate beyond the first 12 billing cycles is quite high. There are many comparable cards that offer a lower interest rate if you credit score is good.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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