The American DreamCard Platinum MasterCard, issued by Direct Merchants Bank, 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, or balance transfers. A $25,000 minimum cash prize is awarded monthly.
The card has no annual fee, a 0% introductory rate on purchases for the first five months of membership, and a reasonably low interest rate for purchases. It is important to note that the APR for all transactions is tied to the highest Prime Rate during a three-month period. Therefore, due to this policy, the lowest possible interest rates may not 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.
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