Specifics

• Introductory Rate: N/A
• Applied Towards: Purchases
• APR (Purchases)**: 14.99% V or 21.99% V on Purcha The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 22.99% V or 28.99%V There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: n/app
• Grace Period: n/app
• Minimum Credit Limit: n/app
• Maximum Credit Limit: n/app
• Late Payment Fee: $39
• Over-The-Limit Fee: Over the Credit Limit Fee: $39
• Cash Advance Fee: $5 for each cash advance of $100 or less from any ATM. For all other cash advance transactions, $15 or 4%, whichever is higher.
• Balance Transfer Fee: n/app

Reward Program Details

• Points per Dollar: 1 Entry*
• Additional Points: Cardholders may have the opportunity to earn bonus entries in select months during the promotional period. See Official Sweepstakes rules for details.
• Point Details: *Up to 1,000 entries per transaction. Entries earned on qualified purchases, cash advances, and balance transfers. Each entry is automatically submitted into a monthly sweepstakes drawing for a cash prize.
• Expiration: The sweepstakes ends and all existing entries expire on September 30, 2009. (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for those with no/new credit or fair credit who want participate in the monthly cash sweepstakes of up to $25000. Receive 1 entry per $1 spent on purchases (up to 1,000 entries per transaction). Also receive 1 entry per $1 for balance transfers or cash advances. Receive 1,000 entries for applying for the card. The intro APR is smaller than average and there are no additional benefits with this card. Last Modified Date: 6/24/2010 12:00:00 AM

Additional Perks

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 online*).
See website for additional benefits.
.

Important Notations

The Grace Period is at least 23 days (new purchases) provided previous balance paid in full. **APR's are assigned based on creditworthiness:14.99%V or 21.99%V. The American DreamCard™ MasterCard® is issued by HSBC Bank Nevada, N.A. See website for additional APR information. *See website for terms and conditions of card usage and application disclosure.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.