HSBC Gold Mastercard® Credit Card
in Personal Credit Cards from HSBC Bank USA
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | 12.49% - 20.49% |
| Balance Transfer APR (Variable APR) | 13.24% - 21.24% |
| Credit Score Range | 640 - 850 |
HSBC Gold Mastercard® Credit Card Review
HSBC Gold Mastercard® Credit Card is a credit card issued by HSBC Bank USA.
Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.
If you're wondering whether HSBC Gold Mastercard® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a HSBC Gold Mastercard® Credit Card cash back or rewards program?
No, HSBC Gold Mastercard® Credit Card does not offer a rewards program.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
What are the HSBC Gold Mastercard® Credit Card benefits?
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
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for HSBC Gold Mastercard® Credit Card?
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 13.24% up to 21.24%.
It also has a variable cash advance APR of 27.24% .
Does HSBC Gold Mastercard® Credit Card have an introductory APR offer?
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.
| Purchase APR | 12.49% - 20.49% |
| Balance Transfer APR | 13.24% - 21.24% |
| Cash Advance APR | 27.24% |
What are the HSBC Gold Mastercard® Credit Card fees?
No Annual Fee. HSBC Gold Mastercard® Credit Card does not charge an annual fee. No foreign transaction fee. HSBC Gold Mastercard® Credit Card 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 Gold Mastercard® Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 4% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | $25 |
| Late Payment Fee | $37 |
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.
How to apply for HSBC Gold Mastercard® Credit Card
- 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.
Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 - Visit Site
Message from HSBC Bank USA
Other Services by HSBC Bank USA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
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- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 |
| Annual Fee | $0 |
| Paper Statement 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 % | 4% |
| Balance Transfer Fee Minimum | $10 |
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