The Union Plus credit card is issued by HSBC Bank Nevada, N.A. and is specifically designed for cardholders with an average or limited credit who are members of one of the AFL-CIO Unions. Non-union members are not eligible to apply for this card. Because this card is designed for union members, it carries some union-specific benefits. One of these is strike payment protection that allows members to skip payments for up to three consecutive months during a union-sanctioned strike or lockout that lasts thirty days or longer. There are also member advocacy programs that help members resolve disputes and handle concerns that are related to any of the union privilege programs.

The card has no annual fee and has an introductory rate of 8.99% variable on balance transfers and is good until the loans are paid when submitted during the first three months of membership. There is a fixed rate of 19.99% on cash advances, and a minimum on purchases that is based on the cardholder's credit history. This amount can range from 9.99% up to 18.99%. The card is assessed a 3% cash advance fee with a $5 minimum. The balance transfer fee is also 3% with a $5 minimum but does not apply during for balance transfers during the introductory period.

Those who will benefit the most from the Union Plus Credit Card are those union members who qualify for the lowest rate offered and who are able to pay the balance in full each month. In addition, those with very good credit will be considered for the gold and platinum cards, which offer additional benefits and may offer a lower interest rate as well.

Some of the benefits you can expect to receive with the Union Plus MasterCard include the following:

? Online access to account information

? Skip payment options

? Strike payment protection

? No liability to cardholder for unauthorized transactions

? Fraud protection services

? Union member advocacy program

? Eligibility for the Union Plus Scholarship Program

? Travel accident insurance up to $100,000