Union Plus MasterCard issued by HSBC Bank Nevada, N.A.
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. 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). 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. Least Attractive Feature: Minimum APR cap for purchases; higher APR for less qualifying applicants. Apply Now For Union Plus MasterCard Note: The review of this HSBC Bank Nevada, N.A. card was updated on 05/02/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	1.99% APR for 6 Months
Applied Towards:	Purchases
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.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	10.99% There is a minimum APR on purchases.
Cash Advance APR:	19.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	25 Days
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $100; $25 on balances over $100 up to $1,000; $35 on balances over $1,000
Over-the-Limit Fee:	$39
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	3%, $5 minimum (does not apply to introductory offer)

Additional Highlights of Interest

Special Card Benefits and Features 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. Important Notes Regarding This Offer 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 4.99% to 13.99% + Prime Rate. The minimum APR for purchases varies according to the applicant's credit history and may range from 9.99% to 18.99%. See website for complete terms and conditions of card usage and application disclosure.