Features

Who is this credit card designed for?

HSBC Advance Mastercard is a credit card issued by HSBC, which is based in , , and was established in 0.

It is for people with a credit score of 700 to 850. This card charges an annual fee but the fee is waived the first years. This makes a good fit for people who are willing to pay an annual fee for a card with the right benefits but want to test it before agreeing to pay a fee. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

What are the relevant APRs?

HSBC charges a variable APR on new purchases that ranges from 13.49% to 17.49%. Balance transfer APRs, which are also variable, range from 13.49% to 17.49%.

Note that late payments are subject to an APR of 30.49% 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:

  • 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. You can earn more rewards if you make purchases in the following categories:

  • Restaurants
  • Is a signup bonus offered?

    No, it doesn't offer a cash signup bonus. The signup bonus includes 25000 points that can be redeemed for gifts and other perks.

    What additional benefits does are offered?

    HSBC Advance Mastercard provides the following benefits:

  • Car rental insurance
  • Extended warranty
  • Travel insurance
    • Credit Score Range
      700 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
      • Unemployed
    • Immigration Status Considered
      • U.S. Citizen
      • U.S. Permanent Resident
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Minimum Age
      18
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
      Personal
    • Annual Fee
      $45
    • Grace Period / Deferred Interest
      25
    • Late Payment Penalty
      $37
    • Minimum Interest Charge
      $1
    • Returned Payment Fee
      $25
    • No Annual Fee First Year
    • No Foreign Transaction Fee
    • Card Type
      • Travel
      • Rewards
    • 0% Introductory APR
    • Card Network
      Mastercard
    • Car Rental Insurance
    • Extended Warranty
    • Travel Insurance
    • Signup Bonus (points)
      25,000
    • Balance Computation
      Average daily
    • Penalty APR
      30.49%
    • Purchases APR (variable)
      13.49% - 17.49%
    • Transfer Fee
      3
    • Balance Transfer APR (variable)
      13.49% - 17.49%
    • Intro APR period (months)
      12
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