Overview

Who is this credit card designed for?

HSBC Gold Mastercard® Credit Card is a credit card issued by HSBC Bank USA, which is based in New York, NY. 

HSBC Gold Mastercard® Credit Card is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee. 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 Gold Mastercard® Credit Card has a variable purchase APR that ranges from 12.49% up to 20.49%.

The card has a variable balance transfer APR that ranges from 12.49% up to 20.49%.

It also has a variable cash advance APR starting at 26.49%.

Is an introductory APR offer available?

Yes, HSBC Gold Mastercard® Credit Card offers an introductory APR rate on balance transfers of 0% for a period of 18 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 18 months.

What are the fees?

The following fees apply to HSBC Gold Mastercard® Credit Card:

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

Is a rewards program offered?

No, HSBC Gold Mastercard® Credit Card does not offer a rewards program.

Is a signup bonus offered?

HSBC Gold Mastercard® Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

HSBC Gold Mastercard® Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 HSBC Gold Mastercard® Credit Card provides the following benefits:

• Free Credit Score

• Auto Rental Collision Damage Waiver

• Emergency Support

• Extended Warranty Protection

• Fraud Liability

• Price Protection

• Travel Accident Insurance

• Travel Assistance

• Reports to major credit bureaus

Does HSBC Gold Mastercard® Credit Card report your account activity to credit bureaus?

HSBC Gold Mastercard® Credit Card 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.