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American DreamCard™ Platinum Mastercard®

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives


Updated: Nov 12, 2020
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Issued by HSBC Bank Nevada, the American DreamCard Platinum Master Card, is designed for those with fair credit who are looking for an average credit card with a monthly cash sweepstakes program.

ANNUAL FEE:

$39*

ONGOING APR:

21.99% V or 14.99% (Variable)*

INTRO APR:

0%*

324 User Ratings American DreamCard™ Platinum Mastercard®
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Application Fee
N/A
Credit Reporting
No*
Minimum Credit Needed
Accepts All*

Key Features


  • Over $1.1 Million Awarded to Date!
  • Large Monthly Cash Jackpots!
  • Earn Entries From Everyday Shopping!
  • Get 1,000 Entries Just for Applying!
  • A New Cash Winner Every Month
  • Issued by HSBC Bank Nevada, N.A.
$ 39 2020-12-02 InStock

Our Take


American DreamCard Platinum Mastercard is a credit card offering a monthly sweepstakes program to its cardmembers. It's a card suitable for persons having fair credit and not so solid credit histories. For those who qualify, cardmembers are entered into the program from whence a winner is selected monthly. Cardmembers enjoy a midterm introductory APR period applied towards purchases. During this period, no interest incurs on purchases charged on the card. After the ...

American DreamCard Platinum Mastercard is a credit card offering a monthly sweepstakes program to its cardmembers. It's a card suitable for persons having fair credit and not so solid credit histories. For those who qualify, cardmembers are entered into the program from whence a winner is selected monthly.

Cardmembers enjoy a midterm introductory APR period applied towards purchases. During this period, no interest incurs on purchases charged on the card. After the introductory period, purchase APR may vary periodically but remains highly competitive and accommodating. Balance transfers are charged a small transaction fee and there is a minimum and maximum limit allowed for balance transfers.

Depending upon individual creditworthiness, an annual fee of $0, $39 or $59 may apply.

Coming down to its reward program, cardmembers earn an entry into the American DreamCard jackpot with each $1 spent on purchases. Qualifying balance transfers and cash advances also earn entries. Other ways to earn entries into the monthly sweepstakes program exist. Interested consumers earn 1,000 entries just for applying. Cardmembers referring friends to the card earn 50 entries with each submitted application and another 1,000 entries once an application is approved. Rewards are of cash type offering a certain percentage of money charged to the winning credit card account during a specific period. Entries are carried over in one sweepstakes season and there's no yearly limit to the number of entries earned.

An account must be in good standing as described in the Cardmember Agreement and Sweepstakes official rules to partake in the monthly draws. Cardmembers are also not entitled to receive entries from second level referrals (a referrals' referral).

Card members monitor expenses and keep track of card charges with AccountCentral, an online account management center. Cardmembers earn 100 entries into enrolling in this service. Account Protection Plus and Account Benefit Plan are other benefits available to card members for an extra fee.

American DreamCard Mastercard is built for those consumers itching to get their hands on a simple credit card with a fee-free rewards program. It provides good credit lines and favorable interest even for less qualified applicants having fair credit.

This card comes on the Master Card network and card members are entitled to benefits - read terms and conditions for more.


Pros

  • Cash Back rewards
  • Sweepstakes entries

Cons

  • High APR for less qualifying applicants
  • No extraordinary benefits or services offered
  • Annual fee for less qualified applicants

Basic Information

Issuer: HSBC Bank
Network: Mastercard®
Category: Consumer (Stored Value)
Common Uses:
  • Cards for Bad Credit
  • Instant Decision
  • Unsecured Cards
  • Building Credit
  • Damaged Credit
Rewards: Yes
Reward Types:
  • Cash Back Reward Cards
  • Other Rewards Cards
  • Outdoor Reward Cards
Reward Units: Point
 

Rates & Fees

Introductory APR (%): 0%*
Applied Towards:
  • Purchases
Intro Period: 5 months*
Regular APR: 21.99% V or 14.99%
Regular APR Type: Variable*
Annual Fee: $39*
Balance Transfer: Yes*
APR on Cash Advances: 19.99%*
Grace Period: 23 Days (Min.)*
Late Payment Fee: $39*
 

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Additional Info & Comments

The APR is based on the highest Prime Rate during a 90-day period.

*See website for terms and conditions of card usage and application disclosure.



Non-Affiliate Offer Disclosure
*The information provided for American DreamCard™ Platinum Mastercard® is believed to be accurate at the time of evaluation and has been collected independently by Market Pro Secure®. The card issuer did not provide the details, nor it is responsible for their accuracy.
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