
HSBC Advance Mastercard
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Purchase APR | 14.99% - 18.99% |
Balance Transfer APR | 14.99% - 18.99% |
Credit Score Range | 600 - 850 |
Annual Fee | $45 |
HSBC Advance Mastercard Review
This is a credit card issued by HSBC Bank USA. If you're wondering whether HSBC Advance Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 3x.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. HSBC Advance Mastercard has a variable purchase APR that ranges from 14.99% up to 18.99%.
- Annual fee waived the first year. HSBC Advance Mastercard gives you the chance to have the card for a year without paying the $45 annual fee.
- 4% Balance transfer fee. HSBC Advance Mastercard charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
The Good | The Bad |
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Does HSBC Advance Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
What are the HSBC Advance Mastercard benefits?
It provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for HSBC Advance Mastercard?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.HSBC Advance Mastercard has a variable purchase APR that ranges from 14.99% up to 18.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 18.99%. It also has a variable cash advance APR of 24.99% . Note that late payments are subject to an APR of 29.99% 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 14.99% - 18.99% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 4% |
Does HSBC Advance Mastercard have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for HSBC Advance Mastercard?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $45 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $37 |
Does HSBC Advance Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for HSBC Advance Mastercard?
The support contact email for HSBC Advance Mastercard is hsbcusahelp@us.hsbc.com.
What is the HSBC Advance Mastercard login page?
You can access the HSBC Advance Mastercard login page here.
How do people rate the customer service and user experience of HSBC Advance Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HSBC Advance Mastercard report your account activity to credit bureaus?
Yes, HSBC Advance Mastercard reports your account activity to the following credit reporting agencies:
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for HSBC Advance Mastercard
- Visit the HSBC Advance Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
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
- Email Support
Other Services by HSBC Bank USA
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
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