HSBC Gold Mastercard Credit Card
in Personal Credit Cards from HSBC Bank USA
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | 12.74% - 20.74% |
| Balance Transfer APR (Variable APR) | 12.74% - 20.74% |
| Credit Score Range | 670 - 850 |
HSBC Gold Mastercard Credit Card Review
HSBC Gold Mastercard Credit Card is a credit card issued by HSBC Bank USA.
This card is designed for people with good credit. The minimum credit score to apply is 670. If you're wondering whether HSBC Gold Mastercard Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
| Pros | Cons |
|---|---|
|
|
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Is there a HSBC Gold Mastercard Credit Card cash back or rewards program?
No, HSBC Gold Mastercard Credit Card does not offer a rewards program.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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
- Fraud Liability
- Travel Accident Insurance
- 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 12.74% 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?
Yes, HSBC Gold Mastercard Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer APR | 12.74% - 20.74% |
| Introductory Rate | 0% |
| Intro APR period (months) | 18 |
| Description | |
|---|---|
| Balance Computation | Average Daily Balance (including new purchases) |
| Purchase APR | 12.74% - 20.74% |
| Credit Limit | N/A |
| Penalty APR | 0% |
| Cash Advance APR | 26.74% |
| Security Deposit | N/A |
| Introductory Rate | 0% |
| Intro APR period (months) | 18 |
What are the HSBC Gold Mastercard Credit Card fees?
The following fees apply to HSBC Gold Mastercard Credit Card:
| 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.
Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 - Visit Site
Message from HSBC Bank USA
Other Services by HSBC Bank USA
Availability
- 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
| Annual Fee | $0 |
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 |
| Paper Statement Fee | $0 |
| Balance Transfer Fee % | 4% |
| Balance Transfer Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 4% |
| Cash Advance Fee Minimum | $10 |
| Late Fee Amount | Up to $37 |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | Up to $25 |
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Balance Transfer APR
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Credit Score Range
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Balance Transfer APR
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Balance Transfer APR
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Credit Score Range
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