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MasterCard Good Credit $0 1.99% for 6 months on Purchases 12.99% Other 25 DaysConsumer  

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Union Plus MasterCard

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Union Plus® MasterCard®

Quick Summary:
This MasterCard rewards card is issued by HSBC Bank and offers unique rewards not listed in our current rewards categories. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 12.99%.

APR's:
There is an introductory APR as low as 1.99% for 6 months. This intro rate only applies towards purchases. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 7.99% to the U.S. prime rate.

Rewards:
This is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO score of at least 720 is recommended for a higher chance of approval for the Union Plus® MasterCard®, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Union Plus® MasterCard® is at least 25 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
This card has a poor approval or acceptance rate. Since this is a card for good credit, there may be a fairly strict standard for qualifications, including credit record and income level. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 720, then your chance of approval may be greater than other applicants.

Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.

Offer Details:

Get the card that works as hard as you do! Only through the combined strength of millions of union members are we able to offer benefits that no other card can equal. Apply now and take advantage of the low 1.99% introductory APR and start earning rewards today. Redeem your rewards for gift cards, travel, and cash! Plus, with the Union Plus Credit Card, you’ll enjoy Triple PlusSM Features no other card can equal. Here's a sampling:

Triple Plus ValueSM

  • Exclusive member rates and benefits
  • Money-saving balance transfer offers
  • Triple Plus ProtectionSM
  • 100% protection against fraud
  • Strike-payment protection
  • Skip-payment options
  • Triple Plus ServiceSM



*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying.

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Consumer Card Rate Comparison

APR12.99%
Avg. APR**12.22%
Annual Fee$0
Avg. Annual Fee**$8.01

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

Options: View rates and fees for all cards.

 

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