Jump down to application and info

American DreamCard™ MasterCard®

APR's:
There is an introductory APR as low as 0.00% for 5 months. This intro rate applies towards both balance transfers and 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 7.24% 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 fairly solid credit record, with no recent negative marks on their report. A FICO score of at least 688 is recommended for a higher chance of approval for the American DreamCard™ 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 American DreamCard™ MasterCard® is at least 20 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:
The approval rate for this card is average from a scale of 1 to 5, sitting at a 3. 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 688, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

• The American DreamCard is the credit card program that can make people rich!
  
• Large monthly cash jackpots!
  
• Earn entries from everyday shopping!
  
• Every $1 in net retail purchases = 1 entry to win (up to 1,000 entries per purchase)
  
• No Annual Fee†
  
• Get 1,000 entries just for applying!
  
• More entries mean more chances to win!
  
• Entries are good for future drawings and there is no limit to how many times you can win*
  
• A New Winner Every Month!
  
• Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
  
• American DreamCard™ holders also have access to MasterCard® Exclusive Online™

The Sweepstakes begins at 12:00:01AM ET on 10/01/07. The Sweepstakes ends and all entries expire at 11:59:59 PM ET on 09/30/08.

The Sweepstakes is sponsored by HSBC Card Services, Inc. The American DreamCard™ MasterCard® is issued by HSBC Card Services. Its affiliates, HSBC Card Services Inc. and/or HSBC Card Services (II), Inc., provide administrative and processing services for the credit card.

• No purchase necessary. Sweepstakes open to legal US residents, 18 years or older. Void where prohibited. The Sweepstakes begins at 12:00:01AM ET on 10/01/07. The Sweepstakes ends and all entries expire at 11:59:59 PM ET on 09/30/08. Visit www.americandreamcard.com for Official Sweepstakes Rules, including details, limitation and alternate methods of entry.
  
• Your Purchase or Cash Advance APRs will automatically be adjusted to their respective Penalty APRs if the required minimum payment is not credited to your Account before the first day of the billing cycle that starts after the "Pay By" date on your statement 2 times in any rolling 6-month period.
  
• †See terms and conditions for important rate, fee and other cost information, and limitations

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

**  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.