Household Bank MasterCards
If you're looking for a brand and a card you can trust to strengthen your credit with, the Household Bank MasterCards give you that opportunity. They have built in benefits that make managing your account easy, and put you in control online 24/7.
- Acceptance at millions of locations worldwide, including website purchases and reservations.
- Discounts available from MasterCard® at many of your favorite merchants when you enroll in the services at www.mcnearby.com.
- Manage your account online anytime of the day using our helpful Account Management Tools.
- Enjoy standard Online Bill Pay at no charge, no matter how often you use it.
- Request email and text messages to remind you of your available balance and upcoming payment due date with online enrollment.
- Have the opportunity to build a good credit history; we report to all 3 major credit bureaus.
- Receive 100% Fraud Liability Protection automatically and set your personal customized spending alerts.
- Speak to our trained Customer Service Representatives about questions on your account.
To learn more about our card selection process, click here.
| Introductory APR and Duration | Customary APR on Purchases and Balance Transfers | Default APR | Annual Fee | Other Fees to Open Account |
|---|---|---|---|---|
| n/a | Variable 14.90% or 7.90% for Secured | Variable 29.49% | $35 - $79 | $0 - $49 Processing Fee |
*Rates accurate as of January 15, 2010. The variable Customary purchase APR is 14.90%. Your APRs may increase to the Default APR if you default because you A) fail to make a payment when due or B) exceed your credit limit. Effective February 17, 2010, the Default APR will be called Penalty APR and your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The variable Cash APR will be 20.90%. The variable Default APR will be 29.49%. A cash advance fee of 5% or $5 whichever is greater) will apply to balance transfers, if available, and cash advances, unless otherwise disclosed. The minimum finance charge is $1. An Annual Fee between $39 and $79 and a One-Time Processing Fee between $0 and $49 will apply, depending upon your creditworthiness. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.
If you accept a secured card offer, it comes with a 7.90% variable purchase APR, a $35 annual fee waived the first year and no processing fee. All other terms apply. Minimum $200 security deposit required. Platinum is not available for Secured cards.
Please note that we have the right to change your APRs, fees, and other terms at any time for any reason in accordance with the Cardmember Agreement and applicable law. See disclosures within the online application process.