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HSBC Advance Mastercard

in Personal Credit Cards

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HSBC Advance Mastercard

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

HSBC Advance Mastercard is a credit card issued by HSBC Bank USA, which is based in New York, NY.

HSBC Advance Mastercard is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

HSBC Advance Mastercard has a variable purchase APR that ranges from 16.49% to 20.49%. Balance transfer APRs range from 16.49% to 20.49%.

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.

Is an introductory APR offer available?

Yes, HSBC Advance Mastercard offers an introductory APR rate of 0% for a period of 12 months.

What are the fees?

The following fees apply to HSBC Advance Mastercard:

  • There is no annual fee
  • A late payment penalty of $37.
  • A returned payment fee of $25.
  • There is no overlimit fee
  • There are no foreign transaction fees

Is a rewards program offered?

HSBC Advance Mastercard offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Restaurants

Is a signup bonus offered?

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, and other perks.

Is an annual loyalty bonus offered?

HSBC Advance Mastercard doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 HSBC Advance Mastercard provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance

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Contact

  • Headquarters
  • 425 5th Ave.
    New York, NY 10018 USA
  • Visit Site

Other Services by HSBC Bank USA

Availability

Available in 50 States and Washington, DC
  • 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

Grace Period / Deferred Interest (Months)
25
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$37
Returned Payment Fee
$25
Minimum Interest Charge
$1
Bank Account Required?
Credit Score Range
700 - 850
850 300 700
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Age
18
Customer Type
Personal
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cash Back
  • Rewards
  • Travel
  • Zero Percent
Card Network
  • Mastercard
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Bonus Rewards
Earn 25,000 Rewards Program Bonus Points, worth $250 in gift cards, after spending $1,500 or more in the first 3 months from Account opening. Earn 2X Rewards Program Points on dining and select entertainment purchases.
Rewards Categories
  • Entertainment
  • Every Purchase
  • Restaurants
All Other Purchases
Earn 1X Rewards Program Point on all other purchases.
No Blackout Dates
Every Purchase
Earn 1X Rewards Program Point on all other purchases.
No Reward Expiration Period
Signup Bonus (points)
25,000
Purchases APR
16.49% - 20.49%
0% 29%
Balance Computation
average daily balance (including new purchases)
Penalty APR
31.49%
Introductory Rate
0%
Balance Transfer APR
16.49% - 20.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$10
Transfer Fee
up to 3%
Introductory Rate
0%
Intro APR period (months)
12

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