Union Plus MasterCard®
- FREE Rewards Program Designed for Hard-Working Union Members
- Get 2,000 Bonus Points After First Purchase, More than Halfway to a $25 Gift Card
- Earn 1 Point for Every Dollar Spent Anywhere
- Earn 2 Points for Every Dollar Spent at Gas Stations, Grocery Stores, and Drug Stores
- NO Balance Transfer Fees and APR stays FIXED Until the Balance is Paid in Full*
- 1.99% Introductory APR on New Purchases*
- All Calls Answered in the United States
- No Annual Fee and No Liability for Unauthorized Use
| Intro APR |  |
Intro Period | |
Regular APR | |
Annual Fee | |
Balance Transfer | |
Credit Needed |
| 1.99% | | 6 Months* | | 12.99%* | | $0* | | Yes* | |
Good Credit* |
| Card Issuer | HSBC Bank Nevada, N.A. |
| Card Status | Standard |
| Intro APR | 1.99% APR for 6 Months |
| Intro Details | A 6.99% fixed APR is available on balance transfers for the life of the loan if a transfer is submitted during the first three months of card membership. |
| APR for Purchases | 12.99% |
| Grace Period | 25 Days |
| Late Payment Fee | $15 on balances up to $100; $29 on balances over $100 up to $1,000; $39 on balances over $1,000 |
| Over the Limit Fee | $39 |
| APR for Cash Advances | 21.99% |
| Cash Advance Fee | 3%, $5 minimum |
| Balance Transfer Fee | None |
| Type of Reward | Points |
| Points/Dollar Spent | 1 Point |
| Point Details | Cardholders can redeem points towards retail gift cards, car rentals, hotel stays, and airline travel. |
| Notes | This is a Union-endorsed credit card, and applicants must be members of one of the AFL-CIO Unions to be eligible to apply for the card. The APR for purchases varies according to the applicant`s credit history and may range from 6.99% to 13.99% + Prime Rate. The minimum for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure. |
Union Plus MasterCard® - Card Reveiw
The Union Plus MasterCard®, issued by HSBC Bank Nevada, N.A., is ideal if you have an average or a limited credit history and are a member of one of the AFL-CIO Unions. You'll receive "Strike Payment Protection," which allows members to skip payments for up to three consecutive months while the union is on a union-sanctioned strike or lockout for 30 days or more, and the "Member Advocacy Program," which is designed to help members resolve disputes and handle concerns regarding any of the Union Privilege programs. In the card's reward program, members can earn up to 2 points on every dollar spent and redeem their points for travel rewards and gift cards. The interest rate for purchases and balance transfers is reasonably low for those who qualify (although there's a minimum cap). There is no annual fee, and there are introductory rates available for both purchases and balance transfers.
Review Date: 11/6/2008
* See the online credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer\'s web site.