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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
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. 

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.

HSBC Gold Mastercard® Credit Card Rewards
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.

HSBC Gold Mastercard® Credit Card Rates & Terms
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?

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 $25
Late Payment Fee $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

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 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.

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

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
Minimum Age 18
Credit Score Range 640 - 850
Immigration Status Considered
  • U.S. Citizen
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Purchase APR (Variable APR) 12.49% - 20.49%
Cash Advance APR (Variable APR) 27.24%
Balance Computation Average Daily Balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 13.24% - 21.24%
Introductory Rate 0%
Intro APR period 18

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Credit Score Range

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(Variable APR)
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Purchase APR 16.49% - 20.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 16.49% - 20.49%
(Variable APR)
    0% 29% Variable APR
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