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HSBC Gold Mastercard® Credit Card

in Personal Credit Cards

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HSBC Gold Mastercard® Credit Card

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in Personal Credit Cards

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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.

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Contact

  • Headquarters
  •   425 Fifth Avenue
    New York, NY 10018 USA
  •   Visit Site

Other Services by HSBC Bank USA

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
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Late Payment Penalty $37
Returned Payment Fee $25
Minimum Interest Charge $1
Balance Transfer Fee % 4%
Balance Transfer Fee Minimum $10
Minimum Age 18
Credit Score Range 640 - 850
850 300 640
Immigration Status Considered
  • U.S. Citizen
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  
Lost Luggage Insurance  
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
Purchase APR (Variable APR) 12.49% - 20.49%
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation Average Daily Balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 12.49% - 20.49%
Introductory Rate 0%
Intro APR period (months) 18

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Balance Transfer APR

Annual Fee

Credit Score Range

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Purchase APR 14.49% - 24.49%
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Balance Transfer APR 14.49% - 24.49%
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Annual Fee $0 Annual Fee
Credit Score Range 680 - 850     300 850
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Annual Fee $0 Annual Fee
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Purchase APR 16.49% - 20.49%
(Variable APR)
    0% 30% Variable APR
Balance Transfer APR 16.49% - 20.49%
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Annual Fee $0 Annual Fee
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