
Best Of Product
HSBC Gold Mastercard Credit Card
Would you recommend HSBC Gold Mastercard Credit Card to your friends?
Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) |
12.99% - 22.99% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
12.99% - 22.99% (Verified 08/04/2023) |
Credit Score Range | 670 - 850 |
Annual Fee | $0 |
HSBC Gold Mastercard Credit Card Review
This is a card issued by HSBC Bank USA. If you're wondering whether HSBC credit card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
- Competitive APRs. HSBC Gold Mastercard Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 4% Balance transfer fee. HSBC Gold Mastercard Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, travel accident insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of HSBC credit card
The Good | The Bad |
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HSBC credit card FAQ
Does HSBC credit card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the HSBC credit card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for HSBC credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.HSBC Gold Mastercard Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .
Does HSBC credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 18 months |
Balance Transfer APR | 12.99% - 22.99% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 4% |
Does HSBC credit card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 18 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.
What are the fees for HSBC credit card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $ |
Initial Program Fee | $ |
Foreign Transaction Fee | 0% |
Returned Payment Fee | Starting at $ up to $39 |
Late Payment Fee | Starting at up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does HSBC credit card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for HSBC credit card?
The HSBC credit card customer service number is (800) 975-4722.
What is the support contact email for HSBC credit card?
The support contact email for HSBC credit card is hsbcusahelp@us.hsbc.com.
What is the HSBC credit card login page?
You can access the HSBC credit card login page here.
How do people rate the customer service and user experience of HSBC credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HSBC Gold Mastercard Credit Card report your account activity to credit bureaus?
Yes, HSBC Gold Mastercard Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for HSBC credit card
- Visit the HSBC credit card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From HSBC credit card
Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 USA - (800) 975-4722
- Visit Site
- Email Support
Other Services by HSBC Bank USA
Other Credit Cards by HSBC Bank USA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 18 months |
HSBC Gold Mastercard Credit Card Community Reviews
Would you recommend HSBC Gold Mastercard Credit Card to your friends?
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