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  HSBC Gold Mastercard Credit Card

HSBC Gold Mastercard Credit Card

in Personal Credit Cards from HSBC Bank USA

Claimed

HSBC Gold Mastercard Credit Card

Claimed

in Personal Credit Cards from HSBC Bank USA

Net Recommendation Score +33%

SUPERMONEY NET RECOMMENDATION SCORE

+33%

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Highlights
Highlights
Community Rating

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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.

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 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.
  • $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 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.
HSBC Gold Mastercard Credit Card Pros & Cons
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.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • 0% APR on new purchases during the first 18 months.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • No foreign transaction fee.
  • HSBC Gold Mastercard Credit Card reports to multiple credit bureaus.
  • 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.
  • Charges a 4% balance transfer fee.
HSBC Gold Mastercard Credit Card FAQ

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.

HSBC Gold Mastercard Credit Card Balance Transfers
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.

HSBC Gold Mastercard Credit Card Purchase Intro Offer
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:

HSBC Gold Mastercard Credit Card Fees
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?

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.

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.

View HSBC Gold Mastercard Credit Card's published terms & conditions.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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

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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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.

Availability

  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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 18 months
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 24.99%
Balance Computation Average Daily Balance (including new purchases)
Purchase APR (Variable APR) 12.99% - 22.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer APR (Variable APR) 12.99% - 22.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Balance Transfer
  • Zero Percent
Card Network Mastercard

HSBC Gold Mastercard Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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