Credit Card Review & Application
American DreamCard™ Platinum MasterCard®
- Over $1.1 Million Awarded to Date!
- Large Monthly Cash Jackpots!
- Earn Entries From Everyday Shopping!
- Get 1,000 Entries Just for Applying!
- A New Cash Winner Every Month
- Issued by HSBC Bank Nevada, N.A.
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| Intro APR: | 0%* |
| Intro Period: | 5 months |
| APR: | 21.99% V or 14.99% (variable) * |
| Annual Fee: | See terms* |
| Issuer: | HSBC Bank |
| Card Network: | MasterCard® |
| Card Category: | Consumer (Stored Value) |
| Card Type: | - Card for Bad Credit - Instant Decision Card - Reward Card |
| Credit Needed: | Accepts All* |
American DreamCard Platinum Master Card is a credit card offering a monthly sweepstakes program to its card members. It's a card suitable for persons having fair credit and not so solid credit histories. For those who qualify, card members are entered into the program from whence a winner is elected monthly.
Card members enjoy a mid term introductory APR period applied towards purchases. During this period, no interest incurs on purchases charged on the card. After the introductory period, purchase APR may varies periodically but remains highly competitive and accommodating. Balance transfers are charged a small transaction fee and there is a minimum and maximum limit allowed for balance transfers.
Depending upon individual creditworthiness, an annual fee of $0, $39 or $59 may apply.
Coming down to its reward program, card members earn an entry into the American DreamCard jackpot with each $1 spent on purchases. Qualifying balance transfers and cash advances also earn entries. Other ways to earn entries into the monthly sweepstakes program exist. Interested consumers earn 1,000 entries just for applying. Card members referring friends to the card earn 50 entries with each submitted application and another 1,000 entries once an application is approved. Rewards are of cash type offering a certain percentage of money charged to the winning credit card account during a specific period. Entries are carried over in one sweepstakes season and there's no yearly limit to amount of entries earned.
An account must be in good standing as described in the Card member agreement and Sweepstakes official rules to partake in the monthly draws. Card members are also not entitled to receive entries from second level referrals (a referrals' referral).
Card members monitor expenses and keep track of card charges with AccountCentral, an online account management center. Card members earn 100 entries into the enrolling into this service. Account Protection Plus and Account Benefit Plan are other benefits available to card members for an extra fee.
American DreamCard MasterCard is built for those consumers itching to get their hands on a simple credit card with a fee free rewards program. It provides good credit lines and favorable interest even for less qualified applicants having fair credit.
This card comes on the Master Card network and card members are entitled to benefits - read terms and conditions for more.
| Reward Types: | - Cash Back Reward Cards - Other Rewards Cards - Outdoor Reward Cards |
| Reward Unit: | Point |
| Reward for $1 spent: | 1.00 |
| Rewards: | - Participation at monthly sweepstakes drawing for a cash prize. Entries are earned on qualified purchases, cash advances, and balance transfers. |
| Expiration: | Variable |
| Yearly Limit: | None |
| Other Benefits: | - Access to AccountCentral®, the online account servicing platform (earn 100 entries for enrolling) - Access to online payment of the American DreamCard bill (earn 100 entries each time the bill is paid) - Access to Account Protection Plus and Account Benefit PlanSM for an additional fee |
| Comments: | The APR is based on the highest Prime Rate during a 90-day period. The APR for purchases varies according to the applicant's credit history and will be 14.99%V or 21.99%V. Grace period is at least 23 days (new purchases) provided previous balance is paid in full. The Sweepstakes begins at 12:00:01 AM ET on 10/01/08. The Sweepstakes ends and all entries expire at 11:59:59 PM ET on 09/30/09. The Sweepstakes is sponsored by HSBC Card Services, Inc. The American DreamCard MasterCard is issued by HSBC Card Services. Its affiliates, HSBC Card Services Inc. and/or HSBC Card Services (II), Inc., provide administrative and processing services for the credit card. See website for additional APR information. *See website for terms and conditions of card usage and application disclosure. |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases |
| Introductory Period: | 5 months* |
| APR on Purchases: | 21.99% V or 14.99% (variable)* |
| Annual Fee: | See terms* |
| Grace Period: | 23 Days (Min.)* |
| Min Finance Charge: | $2.00 |
| Late Payment Fee: | $39.00* |
| Balance Transfer: | Yes |
| Minimum Fee: | $5.00 |
| Maximum Fee: | $75.00 |
| APR Cash Advances: | 19.99% |
| Additional Fees | Over the Credit Limit Fee: $39.00 Transaction Fee for Cash Express: $29 for each transaction Foreign Currency Exchange Fee: 2% of the U.S. Dollar equivalent amount of each purchase made in a foreign currency. |
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† The information provided for American DreamCard Platinum MasterCard is believed to be accurate at the time of evaluation (Nov 4, 2010). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.
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