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Card Basics


Type Credit Needed Category Annual Fee Intro APR Regular APR Rewards Grace Period
MasterCard Fair Credit Consumer $0* / $72* N/A* 16.45%* - 25.45%* (Variable)* Flexible Options 25 Days*

Hooters MasterCard

Alternative Card:
First PREMIER® Bank Classic Credit ...
APR:See Terms
Intro APR:None
Annual Fee:See Terms
First PREMIER® Bank Classic Credit ...
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Hooters MasterCard

Quick Summary:
This MasterCard rewards card with flexible options is issued by Merrick Bank. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 16.45%* and may be as high as 25.45%* (Variable)*, depending on your credit worthiness*.

Important Rates:
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 13.20% to the U.S. prime rate.

There is an annual fee of $0** for this card.

This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. The recommendation made by the card issuer is broad, currently between 600-695.

Other Basics:
The grace period listed for the Hooters MasterCard is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

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:
There were 91 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 75% of those applicants were approved.

The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 605, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.

Offer Details:

Most credit cards only give credit to those with the best credit. We are not most credit cards! In order to offer the Hooters MasterCard to all kinds of people with all kinds of credit we have many different interest rates. For those with great credit our lowest rate is one of the most competitive in the rewards credit card marketplace. For those of you with questionable credit: well, we'll do the best we can.

Features You Shouldn't Live Without

  • No Annual Fee (for qualified applicants)
  • Zero Liability on unauthorized purchases.
  • Cash Advances at over 900,000 MasterCard ATMs
  • Low Variable Rates (for well-qualified applicants)
  • Large credit lines (for well-qualified applicants)
  • FREE Online account information and Bill Pay
  • Friendly 24/7/365 Customer Service
  • Flexible Payment Options
  • Credit Building Opportunities

Rewards and Benefits:

Every time you make a purchase with your Hooters MasterCard, you are earning points to use at Hooters or for thousands of items in our Merchandise Catalog and on our website, such as Hooters Merchandise, Air & Hotel Rewards, Gift Certificates, Vacations, and almost anything else you can think of with our groundbreaking €œImagine If€ť Program.

  • Earn 5 Points per dollar with every Hooters purchase
  • Earn 1 Point per dollar for all other purchases with your Hooters MasterCard®
  • Your Hooters Card Points are loaded directly into your Hooters MasterCard Account
  • There's no waiting for certificates and rewards are easily redeemed
  • Your Points never expire and there is no limit to how many you can earn
  • Apply today, and you'll receive a free one year subscription to Hooters Magazine!

Other Remarks:
Annual fee will be decided based on your credit record. Fee may be $0-$72.

* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.



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Consumer Card Rate Comparison

APR16.45%* - 25.45%* (Variable)*
Avg. APR17.03%**
Annual Fee$0*
Avg. Annual Fee$24.54**

**  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.

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