The other benefits are a bit better than what you’ll get with the HSBC card. If paying down credit card debt is your focus, the eye-catching feature of HSBC Gold Mastercard® Credit Card is the low regular APR, currently several percent lower than a number of competitor cards. It will be based on your Experian credit report, just like that offered by HSBC. Where Is My Stimulus Check? New to credit cards? You can see one of your FICO 8 Credit Scores for free with this card. 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Don’t close this card after the intro APR runs out. Overview. How do you like it, and what do you use it for? Don’t underestimate the power of 18 months no interest on purchases and balance transfers. But it also has no annual fee, and is very forgiving when it comes to the other terms. There are no rewards with this card, like points or cash back. It means you’ll get 10% cash back in those categories during your first year, and that’s a great deal. This is a favorable term for cardholders, but hopefully you don’t need to use it. The Blue Cash Everyday® Card from American Express (Review) offers some cash back bonus categories for common purchases. However, this isn’t much of a benefit because cardholders shouldn’t be paying late in the first place. If you’re looking for ways to earn points or cash back, check out our picks for the Best Cash Back Rewards Credit Cards. If you do not plan to carry a balance long-term, then balance transfer card with rewards programs, like the Citi® Double Cash Card and Discover it® Cash Back are options to consider. Are you sure you want to rest your choices? Credit Card Insider is an independent, advertising supported website. The HSBC Gold Mastercard features an introductory APR on both purchases and balance transfers. 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening. But there are some other similar card offers that you may be interested in too: The Chase Freedom Unlimited® (Review) is another reward credit card with no annual fee. Compared to other balance transfer cards, this card stack up nicely. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. A list of these issuers can be found on our Editorial Guidelines. And use the Blue Cash Everyday to earn rewards when you shop. For ongoing spend, the Amex EveryDay® Credit Card earns earn 2 points per dollar spent at U.S. supermarkets on up to $6,000 per year, then 1 point per dollar at supermarkets along with spend everywhere else. The HSBC Gold Mastercard® credit card offers several benefits that give similar credit cards a run for their money. No sign up bonus. This card is a pretty good option for spending outside the U.S. because it has no foreign transaction fees. Compared to other balance transfer … American Express is a Credit Card Insider advertiser. The HSBC card provides one late fee waiver per year, which is also pretty favorable. The HSBC Gold Mastercard® Credit Card is the spitting image of a no-frills credit card. Haven't found the right card yet? The HSBC Gold Mastercard is an easy-to-use, no-frills credit card, which charges no annual fee. Without a rewards program, the HSBC Gold Mastercard® Credit Card is primarily attractive for consumers that will make use of the balance transfer feature. For rates and fees of the Blue Cash Everyday® Card from American Express, please click here. Either $10 or 4%, whichever is greater, will apply on each cash advance transaction. You must charge the entire fare to your HSBC card to be eligible. HSBC’s online banking includes credit card functions. And there’s no limit to the amount of cash back you can earn. Are you looking to cover the costs of a large purchase or clear your high-interest debt from another credit card? So you’ll need to have a decent credit history and financial situation to improve your odds of being approved. All ratings are determined solely by our editorial team. It’s similar in some ways to the HSBC Gold Mastercard, but its intro period is a bit shorter and it offers some cash back. Harley-Davidson Visa Credit Card 2021 Review, Grand Reserve™ World Mastercard® 2021 Review, Emirates Skywards Premium World Elite Mastercard® 2021 Review. The HSBC Premier Mastercard is issued by HSBC. Credit Card Insider receives compensation from some credit card issuers as advertisers. Plus, every 12 months this card offers a late fee waiver for a late payment, a nice benefit for an easy mistake to make. Most of those cards only earn 1% on purchases that don’t fall into the bonus categories. Unemployment Benefits Boost Calculator, Compare HSBC Gold Mastercard With Other Credit Cards, Capital One Savor Review | Up To 4% Cash Back, Platinum Card From American Express Review, Capital One QuicksilverOne Cash Rewards Review, Capital One VentureOne Rewards Card Review, A Forbes Guide To Choosing A Cash Back Credit Card, Balance Transfers between HSBC accounts is not allowed, 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from account opening, Late Fee waiver: If your payment is late, we’ll waive the late fee once every 12 months, Tap & go® with any HSBC credit card: Tap & go® contactless payments are faster than swiping or inserting your card for payment, No Foreign Transaction Fees: There are no added costs when using your card to make purchases in a foreign country, Mobile Pay: All HSBC Credit Cards are available with Apple Pay, Google Pay, and Samsung Pay, MasterRental Coverage: Provides protection for physical damage and theft to most rental vehicles, Emergency Card Services: Mastercard Global Service® provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting. That will give the amount you need to pay each month to pay it off on time. The HSBC Gold Mastercard is a decent card for users looking to pay down large debts with a generous introductory APR. Great, you can create an account later. Original review: Oct. 19, 2020. To make sure that you pay off your balance on time without accruing any interest, divide your balance by the number of months you have to pay it. Read this for help picking your first card and find out what to expect when you apply. Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. HSBC Gold; Benefits. This card is rated for good credit. Register for free with HSBC online banking, and you will have the option to receive account updates via email or by text. Expert review. But no matter which credit card issuer provides the score, it will usually be updated once per month anyway. Many other cards will let you check your score online for free whenever you’d like. But you will get the same basic set of shopping and travel protections that many credit cards offer. HSBC Gold Mastercard® Credit Card is a balance transfer card that has additional benefits for occasional travelers. The Amex EveryDay® Credit Card ($0 annual fee) typically offers a welcome bonus for meeting a minimum spending requirement in the first several months of card membership. HSBC Gold Credit Card Review. It’s based on your Experian credit report, the same as the HSBC card. Based in Seattle and a graduate of The Wharton School, University of Pennsylvania, Stefan is fluent in Mandarin Chinese and worked in China for a decade. The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. You’ll have to look elsewhere if you want to earn points or make use of truly valuable perks. The HSBC Gold Mastercard® Credit Card remains, first and foremost, a balance transfer card and on that criteria, it does well. You can also Earn RewardCash every time you use your Gold card. If an item has multiple warranties they can each be extended. Do You Need To Claim The Second Stimulus Check? This service is not available outside the U.S. Available when traveling 50 miles or more from home. If you don’t, you can lose your introductory rate and get stuck with the regular purchase APR. And complimentary ShopRunner membership, which provides free two-day shipping and returns at some online retailers. Having more credit cards with open credit lines is, No Late Fees, No Penalty Rate, and No Annual Fee… Ever. Plus, each month with 20 or more transactions earns a 20% point bonus. If you find an item you bought being advertised for a lesser price, you could be reimbursed for the price difference. Ashley Sutphin Watkins. 0% Intro APR on purchases for 18 months from date of account opening. That said, our business relationships do not affect our evaluations. Efforts have been made to keep the content up to date and accurate. Another exception is the Citi Simplicity® Card – No Late Fees Ever (Review), which has no late fees at all. Claims must be made within 60 days of the date of purchase. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness. It offers: You can use the Blue Cash Preferred along with the HSBC card, like in the example given above. Late payment: $0 for first missed payment within a 12 month calendar period. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. The Discover it® Cash Back (Review) is a popular rewards credit card. HSBC will pull either your Equifax or Experian credit report. More specifically, HSBC Gold is an upper-echelon 0% credit card , offering a 18-month interest-free intro period that applies to new purchases and balance transfers alike. This applies to print and online advertisements. It will let you review your recent transactions, which will help you keep up to date with what is coming in and out if your account. It’s low on fees: no annual fee, foreign transaction fee, or penalty APR. 13.99% - 23.99% Variable APR on purchases and balance transfers, Best Card for Earning up to 2% Cash Back on All Purchases, 12.99% - 23.99% Variable APR on purchases. Like most credit cards with a long intro APR and no annual fee, the HSBC Gold Mastercard is pretty basic. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. That’s about all there is to this card. Along with solid flat-rate cash back, this card’s rewards program provides: So you won’t need to think about which category you’re spending in. Airport concierges are available to escort you through the terminal, in some cases expediting you through security or immigration. But HSBC only lets you see your score on your monthly statement. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Your first late fee will be waived each year, if necessary. Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership. There’s an upgraded version of the Blue Cash card, the Blue Cash Preferred® Card from American Express (Review). Opinions are of the writer alone. See the full set of benefits for the HSBC Gold Mastercard. Citi Flex Plan offers are made available at Citi’s discretion. No rewards: Some of the top intro 0% interest purchase rate credit cards let you earn rewards on your purchases, but the HSBC Gold Credit Card doesn’t have a rewards program. About the HSBC Premier credit card. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. “Been with HSBC for years, great bank, but their gold...” Written on: 06/01/2009 by robradcliffe (1 review written) Been with HSBC for years, great bank, but their gold credit card thing is an anomaly as every other card I have with different banks (5 in all) lets you view historical data for 6 months - but not the HSBC … However, your score will only be reported on your monthly statement, either digital or mailed. Also, one late fee waiver per year. This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. , so it has no rewards to earn rewards when you shop cards are stronger than the HSBC Mastercard®! A correction, tip, or suggestion for a low interest credit card issuer the. 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