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March 2009 Credit Card Survey

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Please select the letter to link to the alphabetical listing of credit card issuers:
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H

Hess® Rewards Visa® Card

2 Chase Manhattan Plaza, 21st Floor New York, NY 10081

  • Card issued by : JP Morgan and Chase
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime + 11.99 - 15.99%
  • Purchase APR : 15.24-19.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $39 depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Not receiving, for any payment owed on the card or any other account with Chase, at least the minimum payment due by the date and time due, exceeding the credit line on the card, or making payment not honored by your bank.
  • Maximum Default APR :None
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 0%
    6 months
    None
    3%
    N/A
    $5
    		 19.24-23.24%
    N/A
    None
    N/A
    3%
    $10
    None
  • Rebate Description: Earn a 10% rebate on all HESS gas, merchandise, and food purchases for the first 90 days. Earn a 5% rebate on all HESS gas, merchandise, and food purchases thereafter. Earn a 1% rebate on all other purchases anywhere Visa credit cards are accepted.
  • Special Notes: The minimum gross annual income required for an account is $14,400. You must be at least 18 years old to qualify (19 in AL and NE).

Hilton HHonors® Platinum Credit Card

C/O New Accounts PO Box 31514 Salt Lake City, UT 84131

  • Card issued by : American Express Centurion Bank
  • Card Type : AmEx
  • Card Class : Platinum
  • Card Category : Airline/Travel Rewards
  • Margin Index : Prime + 9.99%
  • Purchase APR : 13.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $19 - $38 depending on the balance depending on balance
  • Penalty/Default APR : 18.24%
  • Penalty/Default Trigger : Min. not timely paid once, seriously default if min. not timely paid twice or more, account overlimit over three times, or payment is returned by your financial institution, in any portion of the 12-mo. period ending with the Closing Date of the current billing period.
  • Maximum Default APR :27.24%
  • Universal Default Clause : No
  • Foreign Currency Fee : 2%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		2.90%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 2.90%
    6 months
    None
    None with this offer only
    N/A
    None
    None    		 21.24%
    N/A
    None
    N/A
    3%
    $5
    None
  • Rebate Description: 10,000 Hilton HHonors bonus points with your 1st purchase - enough for a free night. Up to 10,000 HHonors bonus points with your first four stays at any Hilton. 5 HHonors points for each eligible dollar spent at Hilton Hotels and on everyday purchases - 3 points everywhere else. No blackout dates.
  • Special Notes: Dishonored Check Fee: $38. Wire Transfer Fee: $15. Stop Payment Order Fee: $29. Statement Copy Fee: $5.

Hilton HHonors® Visa® Signature Card

701 East 60th Street Sioux Falls, SD 57104

  • Card issued by : Citi Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Airline/Travel Rewards
  • Margin Index : Prime + 9.99/11.99
  • Purchase APR : 13.24%/15.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $0
  • Over-the-Limit Fee : $0/$39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance depending on balance
  • Penalty/Default APR : up to 29.99%
  • Penalty/Default Trigger : If you default under any card agreement you have with Citi because you: do not make the minimum payment when due, go over the credit line, or make a payment that is not honored.
  • Maximum Default APR :29.99%
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		02.99%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    N/A
    03.00%
    N/A
    $5
    None    		 21.99%
    N/A
    N/A
    N/A
    03.00%
    $5
    None
  • Rebate Description: 15,000 Hilton HHonors bonus points enough for TWO FREE NIGHTS at Opportunity Category Hilton Family Hotels within 2 months of opening account. 6 Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels. 3 Hilton HHonors bonus points for each $1 spent on purchases at supermarkets, drugstores and gas stations. 2 Hilton HHonors bonus points for each $1 spent on all other purchases.
  • Special Notes:

Home AdvantageTM World MasterCard® Credit Card with WorldPoints® Rewards

PO Box 15020 Wilmington, DE 19850

  • Card issued by : FIA Card Services, N.A. for Bank of America
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : N/A
  • Purchase APR : 09.99-19.99% F
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $15 - $39 (None for WorldMasterCard accounts) depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 27.24% F
  • Penalty/Default Trigger :
  • Maximum Default APR :
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 00.00%
    12 months
    None
    03.00%
    N/A
    $10
    None    		 24.99%
    N/A
    None
    N/A
    03.00%
    $10
    None
  • Rebate Description: Earn 1 point per dollar of new net retail purchases charged to your credit card with WorldPoints. Balance transfers, cash advances including purchases of money orders or other cash equivalents, out-of-network payments made through the Bill Pay Choiceï¿Â½ service, purchases made by or for a business or for a business purpose, fees, finance charges and unauthorized/fraudulent transactions do not earn points. Points have no cash value except as described in connection with cash rewards, may not be used to pay any credit card balance, and are valid for 5 years.
  • Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such transaction (minimum $10).

Home Depot® Rewards MasterCard®

701 East 60th Street Sioux Falls, SD 57104

  • Card issued by : Citi Bank (South Dakota), NA
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Reward Points
  • Margin Index : Prime + 7.99 - 13.99%
  • Purchase APR : 12.99 - 18.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $15 - $35 depending on the balance depending on balance
  • Penalty/Default APR : 28.99%
  • Penalty/Default Trigger : APRs may automatically increase up to the Default APR if default under any Card Agreement with Citi because of failing to make payment when due, exceeding the credit line, or making payment that is not honored.
  • Maximum Default APR :Prime + up to 23.99%
  • Universal Default Clause : No
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    3%
    N/A
    $5
    None    		 19.99%
    N/A
    None
    N/A
    3%
    $5
    None
  • Rebate Description: 2,500 bonus points with your first purchase - enough to redeem for a $25 gift card. Earn double rewards points when you shop at The Home Depot, EXPO Design Center, The Home Depot Landscape SupplySM and The Home Depot Floor Store. Earn 1 reward point per $1 spent everywhere else MasterCard is accepted. Choose rewards for your home, travel, electronics and more. Points expire five years from the end of the calendar year in which they are earned unless we terminate the Program, in which case you will only have 90 days from the Program termination date to redeem all accumulated points.
  • Special Notes: None

HSBC Platinum MasterCard®

One HSBC Center Buffalo, NY 14203

  • Card issued by : HSBC Bank Nevada, N.A
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Airline/Travel Rewards,Low Intro Rate
  • Margin Index : Prime +
  • Purchase APR : 8.99-19.80%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $0-$79
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 31.99%
  • Penalty/Default Trigger : If a Minimum Payment is not received and posted to your Account by the Payment Due Date, or your balance exceeds your Account credit limit, or your payment is returned unsatisfied by your bank or other financial institution for any reason, the Introductory APR will increase up to the variable Default APR of 31.99%.
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		00.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 00.00%
    6 months
    N/A
    3%
    N/A
    $5
    $75    		 20.99%
    N/A
    N/A
    N/A
    3%
    $5
    $50
  • Rebate Description:
  • Special Notes:

HSBC Platinum MasterCard® with Cash or Fly Rewards

One HSBC Center Buffalo, NY 14203

  • Card issued by : HSBC Bank USA, NA
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Airline/Travel Rewards
  • Margin Index : Prime +
  • Purchase APR : 8.99%-17.99%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $0
  • Over-the-Limit Fee : $15 - $39 depending on the balance depending on balance
  • Late Payment Fee : $35 depending on balance
  • Penalty/Default APR : 31.99%
  • Penalty/Default Trigger : One late payment, overlimit, or returned check
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 3.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    12 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    12 months
    N/A
    3.00%
    N/A
    $15
    $99    		 20.99%
    N/A
    N/A
    N/A
    3.00%
    $15
    None
  • Rebate Description: Earn 1 point for every dollar of net retail purchases. Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points or redeem points for 1% cash back.
  • Special Notes: For HSBC Bank customers, a 3% ($5 minimum/$50 maximum) cash advance fee will apply to all cash advances, unless otherwise disclosed. A 3% ($5 minimum/$75 maximum) cash advance fee will apply to balance transfers, unless otherwise disclosed.

HSBC Secured MasterCard

One HSBC Center Buffalo, NY 14203

  • Card issued by : HSBC Bank USA, NA
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index :
  • Purchase APR : 19.80%
  • Finance Calculation Method : Unknown
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $35
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $19 - $39 depending on the balance depending on balance
  • Penalty/Default APR : 31.99%
  • Penalty/Default Trigger : One late payment, overlimit, or returned check
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 N/A
    N/A
    None
    03.00%
    N/A
    $15
    $99    		 20.99
    N/A
    None
    N/A
    03.00%
    $15
    None
  • Rebate Description:
  • Special Notes:

HSBC Weekend Card

One HSBC Center Buffalo, NY 14203

  • Card issued by : HSBC Bank Nevada, N.A.
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime +
  • Purchase APR : 8.99 - 17.99%
  • Finance Calculation Method :
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $0
  • Over-the-Limit Fee : depending on balance
  • Late Payment Fee : depending on balance
  • Penalty/Default APR : 31.99% V
  • Penalty/Default Trigger : If a Minimum Payment is not received and posted to your Account by the Payment Due Date, or your balance exceeds your Account credit limit, or your payment is returned unsatisfied by your bank or other financial institution for any reason.
  • Maximum Default APR :
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : All
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		00.00%
    12 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 00.00%
    12 months
    None
    03.00%
    N/A
    $15
    $99 (intro only)    		 20.99% V
    N/A
    None
    N/A
    03.00%
    $15
    None
  • Rebate Description: Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays. 1% cash back on every single credit card purchase made Monday through Friday. No limit to how much cash back you can earn.
  • Special Notes:
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Last Updated: March 31, 2009 by CardRatings.com. ®1998-2009; U.S. Citizens for Fair Credit Card Terms, Inc. All rights reserved.