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A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | 0% for 12 months |
Regular Balance Transfer APR | 14.99–24.99% Variable |
Balance Transfer Fee | Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. |
Penalty APR | 32.00% |
Late Fee | Up to $37 |
Returned Payment Fee | Up to $25 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | None |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 27.24% Variable |
Cash Advance Fee | Either $10 or 4%, whichever is greater, will apply on each cash advance transaction. |
HSBC has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe HSBC Cash Rewards Mastercard® provides a hefty 3% cash back on all purchases in the first 12 months, up to $10,000. After a year or once you spend $10,000, you’ll earn an unlimited 1.5% cash back for every purchase you make (there are no bonus reward categories). You’ll also get a 10% annual bonus on all the cash back you earn in the first year.
Your HSBC Cash Rewards card comes with an intro APR of 0% for purchases and balance transfers for 12 months, and then your interest rate will be 14.99–24.99% Variable.
Extra benefits for cardholders include Mastercard Airport Concierge, $1 Million Travel Accident Insurance, and a variety of other shopping and travel protections.
There is no annual fee.