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Union Plus® Mastercard

Ongoing APR: As low as Prime + 4.99% (Currently 9.99%) - min. 9.99%
Intro APR for Purchases: 1.99% (for 6 Months)
APR for Balance Transfers: Fixed 6.99% (for Life of Balance)
Balance Transfer Fee: None if submitted within 90 days of account opening
Annual Fee: None
Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Late Fee: $15-$35
Overlimit Fee: $35.00
Issuer: HSBC Bank Nevada, N.A.

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Attention Union Members! You're eligible for the exclusive Union Plus® Mastercard - the only card endorsed by your union. Click here to apply today, and join the 3 million members who carry the Union Plus Mastercard.

The Union Plus® Mastercard is the only union-endorsed credit card with a competitive interest rate on purchases and no annual fee. With the Union Plus® Mastercard, members are entitled to skip payment privileges, fraud protection, 24-hour personal assistance and the Member Advocacy Program, designed exclusively for Union Plus card members.

Card Benefits

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 Plus^SM Features no other card can equal. Here's a sampling:

Triple Plus VALUE^SM

Exclusive member rates and benefits
Money-saving balance transfer offers

Triple Plus PROTECTION^SM

100% protection against fraud
Strike-payment protection
Skip-payment options

Triple Plus SERVICE^SM

Calls answered only in the U.S.
Merchant dispute assistance.
Free online account access

Your Union Power - Everyday

Card FAQs

1. How long will it take to receive my Union Plus Credit Card?

Once approved, you will receive your card in 7-10 days.

2. Do I have to be a resident of the U. S. to have a Union Plus Credit Card?

Only U.S. residents, over 18 are eligible to apply.

3. Who can apply for a Union Plus Mastercard?

In order to apply for a Union Plus Mastercard, you must be a current or retired union member, or an associate member of a union affiliated with the AFL-CIO and at least 18 years of age. Credit approval will be determined upon review of a current credit bureau report and other information bearing on your creditworthiness. Your union has no involvement in credit decisions.

4. Who issues the Union Plus Credit Card?

The Union Plus Mastercard is issued by HSBC Bank Nevada, N.A. and serviced by HSBC Card Services Inc., members of the HSBC Group. HSBC Bank Nevada, N.A. is one of the nation's top ten issuers of MasterCard® credit cards. HSBC Group is one of the largest banking and financial services organizations in the world.

5. Am I guaranteed to receive a Union Plus Credit Card if I apply?

No, by applying for a Union Plus Mastercard, you authorize Household Bank to obtain a current credit bureau report and to verify the information provided on your application. Approval is pending Household Bank's review of the information of your credit bureau and other information. Please be advised your union has no involvement in credit decisions.

6. Can I have more than one Union Plus Mastercard account?

Yes, if you are eligible, you may apply for a second Union Plus Credit Card. Call 1-800-622-2580 for more details.

7. Are you going to share my account information with any third parties?

We may share your information with select third party companies whose products and services we feel would benefit you as a Cardmember. If you prefer we not share your information, you may call Customer Care and request that you be excluded from receiving such offers. You can reach Customer Care at 1-800-622-2580.

8. Is there an Annual Fee on the Union Plus Credit Card?

There is no Annual Fee for the Union Plus Mastercard, however, there is an Annual Fee for the Union Plus Secured MasterCard®.

9. Is there a PIN (personal identification number) available for the Union Plus Mastercard?

Yes. When you activate your new card, you will have the opportunity to select your PIN. Or, you may select your own PIN by calling 1-800-685-3500.

10. Can I use my Union Plus Mastercard to get cash?

Yes, you may obtain instant cash at automated teller machines (ATMs) and banks worldwide. For ATM locations call 1-800-4-CIRRUS.

11. Can I transfer balances to my Union Plus Mastercard from my other credit cards?

Yes, you may call Customer Care at 1-800-252-2619 to transfer a balance over the phone or to request balance transfer checks.

12. How will I know if my transferred balances have been processed?

You may check the current status of your account online, and you will also receive a letter of confirmation. Please continue to make payments to your other credit card accounts in accordance with these account terms, until you see the balance transfer payment show up on your other credit card billing statement(s).

13. Will my other credit card accounts close automatically when my balances are transferred?

No, if you would like to close those accounts, you must contact your other credit card issuers.

14. Can I change my address and phone number online?

Yes, you may change your address and phone number online through Online Account Access.

15. What should I do if my card is lost or stolen?

Immediately contact a Customer Care representative and report your Card's loss or theft at 1-800-651-5116. You will not be liable for fraudulent use of your Union Plus Credit Card.

16. Can I request an additional card online?

Yes, you may request an additional card online through Online Account Access.

17. Can I request a Credit Limit Increase online?

Yes, you may request a Credit Limit Increase online through Online Account Access.

18. Can I request or change a PIN online?

No, if you do not remember your PIN (personal identification number)or would like to change your PIN, please call 1-800-685-3500 to selct your own PIN.

19. Can I pay my Union Plus Mastercard bill online?

Yes. You may pay your Union Plus Mastercard bill online by logging in to Online Account Access and clicking on "Make a Payment." With our Online Bill Pay Service, your payment can be made in as little as one business day.

20. What is the difference between a PIN number and my Account Password?

Your PIN (Personal Identification Number) is a four digit number that allows you to obtain cash from an ATM. Your Account Password allows you access to your account information online. Please keep this important information in a safe place and NEVER carry your PIN number or Account Password with your credit card.

21. Is the Online Account Access secure?

Yes, you access your account in a secure environment. Our security system has the highest security standards, and supports only those browsers that incorporate Secure Socket Layer (SSL) 3.0 or higher for encryption. In addition, the account information on our site stays active only for a period of 15 minutes. The page terminates thereafter. Furthermore, your account information is stored behind a "firewall" and is in no way connected to the Internet directly.

However, when sending emails to us through the Internet, please DO NOT transmit your account number or other personal information as we cannot assure the same safeguards exist as through our web site.

22. What number do I call for account information?

For questions concerning your Union Plus Mastercard account please contact us at 1-800-622-2580.

23. What number do I call for technical difficulties?

For technical questions concerning Online Account Access for your credit card Account please contact us at 1-800-771-7293. Our hours of operation are 8am-12am Eastern Time, Monday - Saturday.

24. What is the Skip Payment Privilege?

Skip Payment Privilege is a special benefit negotiated for Union Plus Cardmembers. You may skip up to two payments during a 12 month period. While your account will not go past due during a skip payment month, periodic finance charges will continue to accrue. To find out if you qualify to skip this month's payment, please call Customer Care at 1-800-622-2580. Note: Your account must be current in order to use a skip payment.

25. Will the Union Plus Mastercard help me if I am on strike?

If you are out of work due to a union-sanctioned strike or lock-out for 30 days or more, you may have four Strike Payment skip payments during a 12 month period, as long as your union membership and your Union Plus Mastercard Account are in good standing. Skip Payment Privilege and Strike Payment Protection may not be used more than 3 consecutive months before a payment is required. The Union Plus Credit Card is the only credit card that offers Strike Payment Protection. Periodic Finance charges continue to accrue, but your account does not become delinquent and your credit rating is not adversely affected. If you should ever need to take advantage of the Strike Payment Protection benefit, simply call a Customer Care representative at 1-800-622-2580.

26. When can I call Customer Care if I have a problem or question about my account?

You may call Customer Care anytime. We are open 24 hours a day, 365 days a year. The number is 1-800-622-2580.

27. What is the Union Plus Scholarship Program?

The Union Plus Scholarship Program is a scholarship funded by the Union Plus Mastercard Program for union members. To date, the Union Plus Scholarship Program has awarded over $1.7 million to deserving students. Applicants are selected based on academic achievement and potential, character, leadership ability, social awareness, career goals and financial need.

The Union Plus Scholarship Program is open to union members, their spouses, and dependent children. At least one year of continuous, good standing membership in a participating union is required. To qualify, applicants must be accepted by or attending an accredited university, college, community college, or recognized trade or technical school at the time of the award. Graduate students are not eligible. Union members do not need to carry the Union Plus Mastercard to qualify. Grandchildren of union members are not eligible unless the grandchild is a dependent as defined by the IRS.

You can request an application by writing your name, phone number, return address, and international union name on a post card and sending it to: Union Plus Scholarship Program, P.O. Box 34800, Washington, DC 20043-4800. Applications may also be downloaded directly from the Union Privilege web site at www.unionprivilege.org. Applications are available from September of each year through the following January. The deadline for completed applications is January 31st of each year.

28. Does the Union Plus Credit Card have Travel Accident Insurance?

The Union Plus Mastercard provides up to $100,000 of complimentary Travel Accident Insurance. The policy covers Cardmembers, their spouses, and unmarried dependent children when the full fare is purchased using the Union Plus Mastercard for travel on a licensed common carrier. The plan administrator is National Benefit Corporation.

29. What is a variable rate?

A variable rate is a rate that can change based on the Index. In the case of the Union Plus Mastercard, the Prime Rate is the Index used. We use the highest Prime Rate published in The Wall Street Journal in the month prior to the month in which the billing cycle ends.

30. Can the Prime Rate increase or decrease?

Yes, the Prime Rate may increase or decrease.

31. If the Prime Rate should increase or decrease, when does it affect my Account?

The Union Plus Mastercard uses the highest Prime Rate published in The Wall Street Journal in the month prior to the month in which the billing cycle ends. If the Prime Rate should increase or decrease, the annual percentage rate changes will take effect with the billing cycle that ends on or after the first day of the month following the Prime Rate change.

32. What qualifies as "Cash"?

"Cash" refers to cash and "cash-like" transactions against the available credit on your Union Plus Mastercard Account. There is no grace period when a cardmember obtains a Cash Advance. Finance charges on Cash Advances will accrue from the date of the transaction until it is paid in full.

33. What is a "Cash-like" transaction?

"Cash-like" transactions include:

The purchase of Traveler's Checks, Foreign Currency, or Money Orders
Wire transfers
The purchase of Lottery Tickets and Casino/Gambling Chips
Opening a Deposit Account by using a "Bonus Check" or Cash Advance from your Union Plus Credit Card.

Applicable Cash Advance fees and Cash APR will apply on all Cash Advances and "Cash-like" transactions.

34. Does the Union Plus Mastercard charge a higher rate for cash?

Yes, as with most credit cards there is a higher interest rate charged for cash transactions.

35. About Union Plus Visa® Classic Credit Card

The Union Plus Visa® Classic Credit Card offers Auto Rental Insurance free of charge. This benefit is in addition to 100% fraud protection, no annual fee, and funding toward the Union Plus Scholarship Program.

To file a claim or for more information on this service, call the Visa® Program Administrator, 24 hours a day, 365 days a year at 1-800-VISA-911.

Certain restrictions, exclusions and limitations apply and benefits may not be available in every state.

36. About Union Plus Visa® Gold Credit Card

The Union Plus Visa® Gold Credit Card offers the Security Protection Package with Auto Rental Insurance, Travel and Emergency Assistance, and purchase protection benefits you can access as a preferred cardmember. These benefits are yours automatically in addition to the standard, Classic Card benefits. Gold Visa® benefits include the following*:

Auto Rental Collision Damage Waiver Program - Reimbursement for the repair or replacement of covered losses to a rental vehicle
Travel and Emergency Assistance Services - Emergency Message Service, Medical Referral Service, Legal Referral Assistance, Transportation Assistance, Ticket Replacement, Lost Luggage Service, Translation Service, Prescription Assistance and Pre-Trip Assistance
Warranty Manager Service - Extended warranty protection for up to five years from the date of product purchase

To file a claim or for more information on any of these services, call the Visa® Program Administrator, 24 hours a day, 365 days a year at 1-800-VISA-911.

*Certain restrictions, exclusions and limitations apply and benefits may not be available in every state.

37. About Union Plus Visa® Platinum Credit Card

The Union Plus Visa® Platinum Credit Card offers a minimum $5,000 credit line for all the purchasing power you need. The Union Plus Visa® Platinum Credit Card offers the Security Protection Package with Auto Rental Insurance, Travel and Emergency Assistance, and purchase protection benefits you can access as a preferred cardmember. These benefits are yours automatically in addition to the standard, Classic Card benefits. Platinum Visa® benefits include the following*:

Auto Rental Collision Damage Waiver Program - Reimbursement for the repair or replacement of covered losses to a rental vehicle
Travel and Emergency Assistance Services - Emergency Message Service, Medical Referral Service, Legal Referral Assistance, Transportation Assistance, Ticket Replacement, Lost Luggage Service, Translation Service, Prescription Assistance and Pre-Trip Assistance
Warranty Manager Service - Extended warranty protection for up to five years from the date of product purchase

To file a claim or for more information on any of these services, call the Visa® Program Administrator, 24 hours a day, 365 days a year at 1-800-VISA-911.

* Certain restrictions, exclusions and limitations apply and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with Visa® or HSBC Bank Nevada, N.A.

38. About Union Plus Platinum MasterCard® Credit Card

The Union Plus Platinum MasterCard® Card offers Triple Plus Features including extensive travel, insurance, and retail protection services that you can access as a Platinum Cardmember. These benefits are yours automatically in addition to the standard Classic Card benefits. These Platinum MasterCard® benefits include the following:

Price Protection -If you find a lower price within 60 days of purchase, you'll receive a refund for the difference.
Purchase Assurance -Insurance for damaged and stolen card purchases within 90 days of purchase
MasterRental Insurance Coverage -Auto rental insurance when a car is rented for 15 consecutive days or less
Master RoadAssist Roadside Service -Emergency road service at pre-negotiated rates
Travel Assistance Services -Travel Assistance, Travel Services Medical Assistance, and Legal Referral Service benefits for traveling 50 miles or more from home MasterCard® Global Service-Lost/Stolen Reporting, Emergency Card Replacement, Emergency Cash Advance benefits

To file a claim or for more information on any of these services, call the MasterCard® Assistance Center at 1-800-MC-ASSIST.

* Certain restrictions, exclusions and limitations apply and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard® or HSBC Bank Nevada, N.A.

39. About the Union Plus Ultra Platinum MasterCard® Card

The Union Plus Ultra Platinum MasterCard® Card offers Triple Plus features including the most extensive benefits a Cardmember can receive. In addition to the Platinum benefits, Ultra Platinum Cardmembers also receive:

Highest Credit Limits -Ultra Platinum Cardmembers receive the highest credit limits available to Union Plus Cardmembers.
Refund Guarantee -If you become dissatisfied with a product within 60 days of purchase and the merchant will not accept a return, you may receive up to $250 per product.

40. About the Union Plus Secured MasterCard

The Union Plus Secured MasterCard® can help members establish or re-establish credit. The card is granted to approved members who make a deposit into an interest-bearing savings account. After 18 months of on-time payments, the account will be reviewed to determine if you qualify for an unsecured Union Plus Credit Card. To request an application, call 1-800-651-5108. Here are the unique benefits of the Union Plus Secured MasterCard:

No application fees
Competitive 18% Fixed APR
Low $20 Annual Fee
Can help build or repair your credit record
$250 minimum/$5,000 maximum credit line
After 18 months of on-time payments, account will be reviewed for an unsecured Union Plus Credit Card
25 day grace period on new credit card purchases
Strike Payment Protection
ATM cash access
100% of credit line guaranteed by a Savings Account
Available to customers in the United States, Guam, Puerto Rico and Virgin Islands

Savings Account Information:

The Savings Account is maintained at Intermountain Community Bank, a division of Panhandle State Bank. Withdrawals are not permitted because the savings account balance is the security deposit.
Interest is credited annually on December 31 of each year to the savings account.
You will receive an annual savings account statement in January after the savings account interest is posted. Intermountain Community Bank, a division of Panhandle State Bank, provides the statement.
You will receive a 1099 form to report the interest earned each year to the IRS on the savings account from Intermountain Community Bank, a division of Panhandle State Bank (you will only receive this if interest earned is more than $10).
The interest rate and Annual Percentage Yield may change at any time without notice just like most savings accounts.

The credit line on the Union Plus Secured MasterCard® account is equal to the savings deposit, less the yearly accrued interest. Credit Line Increases: You may request a credit line increase at any time on your Union Plus Secured MasterCard®. To do so, we require a deposit to your savings account. You must mail a check payable to Union Plus Secured MasterCard® for at least $100 and in increments of $100 to increase your credit line. Your Union Plus Credit Card number must be on the check memo line (e.g., "CLI/ACCOUNT #"). The checks are sent to Intermountain Community Bank, a division of Panhandle State Bank. Once the check has been processed, we will increase your credit line. The new credit line will appear on your statement provided there are no issues collecting the funds. Credit Line Increase or Written Inquiry Address: Union Plus Secured MasterCard® PO Box 98722 Las Vegas, NV 89193-8722.

41. About Union Plus Travel Corporate Credit Card

You can promote union identity with the Union Plus Travel Corporate Card, a MasterCard® Corporate Card especially for union leaders to use while conducting union business. The customized program provides great services and benefits with security and convenience at no additional cost. For an application, please call 1-888-428-6466.

No Annual Fee
Receive and pay one consolidated bill for all charges made by your individual Cardholders
Five comprehensive Standard Monthly Management Reports to help you evaluate your business travel and entertainment expenses
A detailed Program Administrator Guide provides important information and helpful tools for administering the program
Cardholders can call our specially-trained Customer Service Team toll-free 24 hours a day, seven days a week for assistance with accounts
Specialized Program Management Team to support your union business Credit Card program
Free Travel Assistance Services*
$250,000 Automatic Travel Accident Insurance*
500/$1,250 Automatic Baggage Reimbursement Insurance*

* Certain restrictions, exclusions and limitations apply and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard® or HSBC Bank Nevada, N.A.

See web site for complete terms & conditions

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