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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.
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.
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.
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.