HSBC Advance Mastercard
in Personal Credit Cards from HSBC Bank USA
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.49% - 20.49% |
| Balance Transfer APR (Variable APR) | 16.49% - 20.49% |
| Credit Score Range | 700 - 850 |
HSBC Advance Mastercard Review
HSBC Advance Mastercard is a cashback credit card issued by HSBC Bank USA.
This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether HSBC Advance Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a HSBC Advance Mastercard cash back or rewards program?
HSBC Advance Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With HSBC Advance Mastercard you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 25000 |
| Signup Bonus Spend Requirement | $1500 |
Does HSBC Advance Mastercard have a signup bonus?
HSBC Advance Mastercard doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus after spending $1500 that can be redeemed for travel, gifts, or other perks.Does HSBC Advance Mastercard offer an annual loyalty bonus?
HSBC Advance Mastercard doesn't offer a cash loyalty bonus.What are the HSBC Advance Mastercard benefits?
HSBC Advance Mastercard provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Fraud Liability
- Price Protection
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for HSBC Advance Mastercard?
HSBC Advance Mastercard has a variable purchase APR that ranges from 16.49% up to 20.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 20.49%.
It also has a variable cash advance APR starting at 26.49% . Note that late payments are subject to an APR of 31.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does HSBC Advance Mastercard have an introductory APR offer?
Yes, HSBC Advance Mastercard offers an introductory APR rate on balance transfers of 0% for a period of 12 months.
This card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.
| Purchase APR | 16.49% - 20.49% |
| Balance Transfer APR | 16.49% - 20.49% |
| Cash Advance APR | Starting at 26.49% |
| Penalty APR | 31.49% |
What are the HSBC Advance Mastercard fees?
The following fees apply to HSBC Advance Mastercard:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | $25 |
| Late Payment Fee | $37 |
Does HSBC Advance Mastercard have a foreign transaction fee?
HSBC Advance Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does HSBC Advance Mastercard report your account activity to credit bureaus?
HSBC Advance Mastercard reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for HSBC Advance Mastercard
- Visit the HSBC Bank USA website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 USA - Visit Site
Other Services by HSBC Bank USA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 |
| Over-Limit Fee | $0 |
| Annual Fee | $0 |
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Returned Payment Fee | $25 |
| Minimum Interest Charge | $1 |
| Late Fee Amount | $37 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $10 |
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