Apply for the Union Plus MasterCard® now

Union Plus MasterCard®

INTRO APR 1.99% APR for 6 Months
APR 12.99%
ANNUAL FEE $0
BENEFIT RATING

OVERALL RATING

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Overview

The Union Plus MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or limited credit history who are members of one of the AFL-CIO Unions (non-members are not eligible to apply for the card).

The card, as the name suggests, is designed for members of an AFL-CIO Union. The benefits offered to union members are "Strike Payment Protection" (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 "Member Advocacy Program" (designed to help members resolve disputes and handle concerns regarding any of the Union Privilege programs).

In the rewards program, cardholders can earn 2 point for every dollar spent on purchases at gas stations, grocery stores, and drug stores. For every dollar spent everywhere else, cardholders will earn one point. While points do not expire, cardholders will be limited to earning 75,000 points during the year. To kickoff earning rewards, cardholders will receive 2,000 bonus points on their first purchase.

The interest rate for purchases and balance transfers is reasonably low for those who qualify, and there is no annual fee. There is a low introductory rate on purchases for the first six months, and a reasonable introductory rate is available for balance transfers, which is valid until the balance is paid in full (although lower introductory rates can be found with other standard credit cards).

It is important to note that there is a minimum cap in effect on the interest rate for purchases and balance transfers. Therefore, no matter how low the Prime Rate falls, the APR will not go below the minimum cap. This rate varies between 9.99% and 18.99% and is based on the applicant's credit history.

In addition to the unique member benefits, this card also provides cardholder benefits such as no liability for unauthorized transactions, fraud and security protection services, and up to $100,000 in travel accident insurance.

Therefore, members of one of the AFL-CIO Unions (required to apply) who qualify for the lowest rate offered and plan to pay in full each month (to avoid finance charges) will benefit most from what the Union Plus MasterCard® has to offer.

Most Attractive Feature
Skip Payment Privileges; various union-related services and privileges; no annual fee; reward program.

Least Attractive Feature
Minimum APR cap for purchases; higher APR for less qualifying applicants.

Additional Benefits
Various Internet account related services.
Skip Payment Privilege.
Strike Payment Protection.
No liability for unauthorized transactions.
Fraud and security protection services.
Union Member Advocacy program.
Eligibility for Union Plus Scholarship Program.
Up to $100,000 in travel accident insurance.
See website for additional benefits.

Rates & Fees

Card Category: Other Rewards

Introductory Rate: 1.99% APR for 6 Months

Applied Towards: Purchases

Introductory Rate 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 cardmembership.

APR (Purchases): 12.99%

APR (Cash Advances): 21.99%

Finance Configuration: Average Daily Balance (including new purchases)

Annual Fee: $0

Additional Cardholders: $0

Grace Period: 25 Days

Minimum Credit Limit:

Maximum Credit Limit:

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

Cash Advance Fee: 3%, $5 minimum

Balance Transfer Fee: None

Important Notations: 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.

Rewards

Points per Dollar:

Additional Points:

Applied Towards:

Point Details: Cardholders can redeem points towards retail gift cards, car rentals, hotel stays, and airline travel.

Expiration: None

Yearly Limit: 75,000 Points

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