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  HSBC Gold Mastercard Credit Card

HSBC Gold Mastercard Credit Card

in Personal Credit Cards from HSBC Bank USA

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HSBC Gold Mastercard Credit Card

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in Personal Credit Cards from HSBC Bank USA

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 12.74% - 20.74%
Credit Score Range 670 - 850
Annual Fee $0
Purchase APR  (Variable APR) 12.74% - 20.74%

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% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 18 months , which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. HSBC Gold Mastercard Credit Card has a variable purchase APR of up to 20.74%.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, travel accident insurance, 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
  • No penalty APR
  • There is a late fee waiver that allows one late payment every 12 months without a fee.
  • No foreign transaction fees.
  • 0% for 18 months on purchases and balance transfers.
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • HSBC Gold Mastercard Credit Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Free access to your credit score.
  • Travel accident insurance.
  • No rewards.
  • High APR if card holder does not pay off purchases or balance transfers within introductory period.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

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:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • 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 12.74% up to 20.74%. The card has a variable balance transfer APR that ranges from 12.74% up to 20.74%. It also has a variable cash advance APR of 26.74% .

The good news is this card does not charge a penalty APR if you are late on a payment.

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.

HSBC Gold Mastercard Credit Card Balance Transfers
Description
Balance Transfer APR 12.74% - 20.74%
Introductory Rate 0%
Intro APR period (months) 18

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.

What are the HSBC Gold Mastercard Credit Card fees?

The following fees apply to HSBC Gold Mastercard Credit Card:

HSBC Gold Mastercard Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 4%
Minimum Balance Transfer Fee $10
Returned Payment Fee up to $25
Late Payment Fee up to $37

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?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

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

Message from HSBC Bank USA

A low interest card with a 18 month intro period for purchases and balance transfers, and highly competitive go to rates.

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:30am - 5:00pm
  • Saturday 9:00am - 1:00pm

Other Services by HSBC Bank USA

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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

Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Zero Percent
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Accident Insurance
Free FICO Score  
Cash Advance APR (Variable APR) 26.74%
Purchase APR (Variable APR) 12.74% - 20.74%
Introductory Rate 0%
Balance Computation Average Daily Balance (including new purchases)
Penalty APR 0%
Intro APR period 18
Balance Transfer APR (Variable APR) 12.74% - 20.74%
Introductory Rate 0%
Intro APR period 18

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