
HSBC Gold Mastercard Credit Card
in Personal Credit Cards from HSBC Bank USA
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% |
Balance Transfer APR (Variable APR) | 12.99% - 22.99% |
Credit Score Range | 670 - 850 |
Annual Fee | $0 |
HSBC Gold Mastercard Credit Card Review
HSBC Gold Mastercard Credit Card is a credit card issued by HSBC Bank USA. 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.
- 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 up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $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 access to a concierge, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 670.
The Good | The Bad |
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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.
What are the HSBC Gold Mastercard Credit Card benefits?
HSBC Gold Mastercard Credit Card provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for HSBC Gold Mastercard Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. HSBC Gold Mastercard Credit Card has lower than average purchase 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 Gold Mastercard Credit Card have an introductory APR offer on balance transfers?
Yes, HSBC Gold Mastercard Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.
Description | |
---|---|
Balance Transfer APR | 12.99% - 22.99% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period (months) | 18 |
Balance Transfer Fee % | 4% |
Balance Transfer Fee % After Intro Period | N/A |
Balance Transfer Fee Intro Period (days) | N/A |
Balance Transfer Fee Minimum | $10 |
Does HSBC Gold Mastercard Credit Card have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period (months) | 18 |
What are the fees for HSBC Gold Mastercard Credit Card?
The following fees apply to HSBC Gold Mastercard Credit Card:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $39 |
Late Payment Fee | up to $39 |
Does HSBC Gold Mastercard Credit Card have a 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.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 Gold Mastercard Credit Card
- Visit the HSBC Gold Mastercard 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.
Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 - Visit Site
Other Services by HSBC Bank USA

Message From HSBC Bank USA
Availability
- Alabama
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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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