Who is this credit card designed for?

HSBC Gold Mastercard® Credit Card is a credit card issued by HSBC Bank USA, which is based in New York, NY, and was established in 1865.

HSBC Gold Mastercard® Credit Card is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee.

This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

HSBC Bank USA charges a variable APR on new purchases that ranges from 12.24% to 20.24%. Balance transfer APRs, which are also variable, range from 12.24% to 20.24%

Is an introductory APR offer available?

Yes, HSBC Gold Mastercard® Credit Card offers an introductory APR rate of 0% for a period of 18 months.

What are the fees?

The following fees apply to HSBC Gold Mastercard® Credit Card:

  • A late payment penalty of $37.
  • A returned payment fee of $25.

Is a rewards program offered?

No, HSBC Gold Mastercard® Credit Card does not offer a rewards program.

Is a signup bonus offered?

HSBC Gold Mastercard® Credit Card doesn't offer a cash signup bonus.

What additional benefits are offered?

HSBC Gold Mastercard® Credit Card provides the following benefits:

  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Fraud liability
  • Lost luggage insurance
  • Travel insurance
    • Credit Score Range
      640 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
      • Unemployed
    • Immigration Status Considered
      U.S. Citizen
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
    • Grace Period / Deferred Interest
    • Late Payment Penalty
    • Minimum Interest Charge
    • Returned Payment Fee
    • No Annual Fee
    • No Foreign Transaction Fee
    • Card Type
      • Low APR
      • Balance Transfer
    • 0% Introductory APR
    • Card Network
    • Car Rental Insurance
    • Credit Card Benefits
      • Auto Rental Collision Damage Waiver
      • Emergency Support
      • Extended Warranty Protection
      • Fraud Liability
      • Price Protection
      • Purchase Protection
      • Travel Accident Insurance
    • Emergency Support
    • Extended Warranty
    • Fraud Liability
    • Lost Luggage Insurance
    • Travel Insurance
    • Balance Computation
      Average Daily Balance (including new purchases)
    • Purchases APR (variable)
      12.24% - 20.24%
    • Transfer Fee
      up to 4%
    • Balance Transfer APR (variable)
      12.24% - 20.24%
    • Intro APR period (months)
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