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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 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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Highlights
Community Rating

Rating not yet determined  

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

This is a credit card issued by HSBC Bank USA. If you're wondering whether HSBC credit card is the right card for you, read on. This review will provide you with with all the details you need 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 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of HSBC credit card
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.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident insurance.
  • 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 credit card FAQ

Does HSBC credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the HSBC credit card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for HSBC credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 credit card have an intro APR offer on balance transfers?

Yes, it offers an intro 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 Introductory APR 0%
Balance Transfer Intro APR Period 18 months
Balance Transfer APR 12.99% - 22.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Does HSBC credit card have an intro APR offer on new purchases?

HSBC Gold Mastercard Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 18 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.

What are the fees for HSBC credit card?

The following fees apply:

HSBC credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does HSBC credit card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for HSBC credit card?

The HSBC credit card customer service number is (800) 975-4722.

How do people rate the customer service and user experience of HSBC credit card?

Overall, HSBC credit card is mostly recommended based on community reviews that rate customer service and user experience.

Does HSBC Gold Mastercard Credit Card report your account activity to credit bureaus?

Yes, 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 may help improve your credit.

How to apply for HSBC credit card

  • Visit the HSBC 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 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 10:00am - 4:00pm
  • Tuesday 10:00am - 4:00pm
  • Wednesday 10:00am - 4:00pm
  • Thursday 10:00am - 4:00pm
  • Friday 10:00am - 4:00pm
  • Saturday 9:00am - 1:00pm

Other Services by HSBC Bank USA

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View all personal credit cards offered by HSBC Bank USA

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
  • 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
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • 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

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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