American DreamCard™ Platinum MasterCard® Issued by HSBC Bank Nevada, N.A.. This card received a rating of 4.00 out of 5.00

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Basic Credit Card Information

Introductory Rate:	No Introductory Rate Available
Time Period:	n/a
Rate Applied To:	None
Additional Details:	n/app
Regular APR:	14.99%
Variable or Fixed:	Variable
Annual Fee:	$0
Annual Fee Details:	None
Application Fee:	n/app
Participation Fee:	n/app
Reload Fee:	n/app
Inactive Fee:	n/app
Total First Year Fees:	n/app
Type Of Rewards:	Point
Be sure to read the card's Data before applying!

Credit Card Review

The American DreamCard™ Platinum MasterCard®, issued by HSBC Bank Nevada, N.A., is an ideal credit card for those with very good credit who are looking for an average platinum card with a monthly cash sweepstakes program.

Through the American DreamCard™ Sweepstakes program, one entry is awarded for each dollar spent in purchases, cash advances, and balance transfers. Cardholders also receive 1,000 bonus entries when they apply online. Each month, one winner will be selected for a cash prize of up to .50% of the total amount of net dollars spent by the participating American DreamCard™ cardholders during the corresponding drawing period, starting at $25,000.

The card also offers a referral program that rewards cardholders with 50 entries for each referral, plus a signing bonus of 1,000 entries for each referral who becomes a cardholder.

The card has no annual fee and a variable interest rate on all transactions. It is important to note that the APRs for all transactions are tied to the highest Prime Rate during a three-month period. Therefore, due to this policy, the lowest possible interest rates may never be reached.

Aside from the sweepstakes program, the card does not offer any common benefits that are associated with most platinum status credit cards.

Therefore, those who qualify for the lowest rate offered and will take advantage of the American DreamCard™ Sweepstakes will benefit most from what the American DreamCard™ Platinum MasterCard® has to offer.

This review was updated 2008-08-19T00:00:00.0000000-07:00

Reward Program Information

Type Of Rewards:	Point
Reward Program Optional:	No
	Optional programs may have a fee. See Data for details.

For Cards with Cash Back Incentives
Lowest Possible Rebate:	n/app
Highest Possible Rebate:	n/app
Additional Rebates:	n/app
Rebate Details:	n/app

For Cards with Point Incentives
Points Per Dollar Spent:	1 Entry
Additional Points:	Cardholders may have the opportunity to earn bonus entries in select months during the promotional period.
Point Details:	Entries earned on qualified purchases, cash advances, and balance transfers. Each entry is automatically submitted into a monthly sweepstakes drawing for a cash prize.

For Cards with Airline Incentives
Miles Per Dollar Spent:	n/app
Additional Miles:	n/app
Program Details:	n/app

Rewards Expiration Period: The sweepstakes ends and all entries expire on September 30, 2008.

Annual Limit: None (1,000 points/entries per transaction.)

Additional Credit Card Perks

Access to AccountCentral®, the online account servicing platform (earn 100 entries for enrolling). Access to online payment of the American DreamCard™ bill (earn 100 entries each time the bill is paid online). Access to Account Protection Plus(SM) for an additional fee. Access to the Account Benefit Plan(SM) for an additional fee. See website for additional benefits.

Special Notations about the American DreamCard™ Platinum MasterCard®

The APR is based on the highest Prime Rate during a 90-day period. The minimum APR for purchases is 14.99%. The minimum APR for cash advances is 29.99%. The APR for purchases varies according to the applicant's credit history and will be 7.24% or 14.24% + Prime Rate. The Sweepstakes begins at 12:00:01 AM 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. See website for additional APR information. See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's Data before applying!