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  HSBC Advance Mastercard

HSBC Advance Mastercard

in Personal Credit Cards from HSBC Bank USA

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HSBC Advance Mastercard

Unaffiliated

in Personal Credit Cards from HSBC Bank USA

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Highlights
Highlights
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. 

Good credit. 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.

HSBC Advance Mastercard Rewards
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.

HSBC Advance Mastercard Rates & Terms
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?

No Annual Fee. HSBC Advance Mastercard does not charge an annual fee. No 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.

The following fees apply to HSBC Advance Mastercard:

HSBC Advance Mastercard Fees
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 report your account activity to credit bureaus?

HSBC Advance Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • 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 for Late Payment (Days) 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
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
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
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
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.
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  
Rewards Categories
  • Entertainment
  • Every Purchase
  • Restaurants
Signup Bonus (points) 25,000
Purchase APR (Variable APR) 16.49% - 20.49%
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation average daily balance (including new purchases)
Penalty APR 31.49%
Introductory Rate 0%
Balance Transfer APR (Variable APR) 16.49% - 20.49%
Introductory Rate 0%
Intro APR period (months) 12

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