Card Review & Application
Household Bank Rewards MasterCard®
- Points redeembable for 2% Cash Back for every dollar spent with this card
- 0% Introductory APR on Purchases for 9 months and a Variable 19.90% APR thereafter
- 24/7 Online Account access for easy and self-management of your account
- The ability to set up email and text messages notifying you of your account status
- Free online bill pay
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| Introductory APR: | 0%* |
| Introductory Period: | 9 months |
| APR on Purchases: | 19.90% (variable)* |
| Annual Fee: | N/A* |
| Card Issuer: | HSBC Bank |
| Card Network: | Mastercard® |
| Card Category: | Consumer (Regular) |
| Card Type: | - Card for Bad Credit - Reward Card |
| Credit Needed: | Poor* |
Household Bank Rewards MasterCard is the ideal card for individuals who want to build credit and enjoy the benefits of unsecured credit on a MasterCard. The card reports to all 3 major credit bureaus providing ample opportunity to cardholders who want to build good credit over time.
An introductory APR period covers purchases, and balance transfers throughout a midterm period. After the intro period expires, cardholders begin to incur purchase APR based on credit worthiness. The purchase APR varies from time to time but it is highly competitive.
Balance transfers start to incur interest after the intro period. Cash advances do not receive intro rates and as such a cardholder is charged modest cash advance APR alongside a 5% cash advance transaction fee.
An annual fee is waived based on credit rating. New members will incur a processing fee.
There is no rewards program but cardholders enjoy the luxury of being able to set their payment due dates. This is in addition to period credit limit increases awarded an account based on payment history and other factors.
Additional card features from MasterCard include emergency card replacement, auto rental insurance, and zero fraud liability covering victims of unauthorized transactions and identity theft.
Online account access comes at no extra cost. Using the online interface, cardholders monitor transactions, card charges and other details over past billing cycles. Email and text message alerts can be configured to serve as a reminder against an upcoming payment due date. Another feature on the online interface is bill pay, a feature through which cardholders can pay bills of utility providers and numerous other billers.
Household Bank Rewards MasterCard is the ideal credit card for consumers having poor credit. Cardholders receive the full benefits of a MasterCard alongside the freedom a credit card provides. Monthly credit reporting ensures cardholders who repay on time without exceeding the credit limit have better chances of building good credit over time. MasterCard is a widely accepted card network with over 25 million accepting merchants spread in over 200 countries around the world.
This card is issued by HSBC/Orchard Bank.
We advise you read and understand the cards' terms and conditions before applying.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
| Reward Types: | - Cash Back Rewards - Universal Rewards |
| Reward Unit: | Cash |
| Reward for $1 spent: | 1.00 |
| Rewards: | - Points redeembable for 2% Cash Back for every dollar spent with this card - Cash redeemed in $25 increments |
| Other Benefits: | - Reports to all 3 credit bureaus monthly - Free Online 24-hour Account Access and Bill Pay - Periodic credit limit increases - No liability for unauthorized transactions - Choice of payment due dates |
| Credit Reporting: | Yes |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | 9 months* |
| APR on Purchases: | 19.90% (variable)* |
| Annual Fee: | N/A* |
| Grace Period: | 25 Days* |
| Min Finance Charge: | $1.00 |
| Late Payment Fee: | N/A* |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 5.00% |
| Minimum Fee: | $10.00 |
| APR Cash Advances: | 20.90% |
| Cash Advance Fee: | 5.00% |
| Minimum Fee: | $10.00 |
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* The information provided for Household Bank Rewards MasterCard® is believed to be accurate at the time of evaluation (Mar 23, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.
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