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HSBC Gold Mastercard® credit card

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RUNNER UP Best No Annual Fee Credit Cards
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 12.99–20.99% Variable
Intro Balance Transfer APR: 0% for 18 months
Intro Purchase APR: 0% for 18 months

HSBC Gold Mastercard® credit card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Balance Transfers

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 18 months
Regular Balance Transfer APR 12.99–20.99% Variable
Balance Transfer Fee Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $37
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

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.
How to Get a Cash Advance with a Credit Card
HSBC Gold Mastercard® credit card

Highlights

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% – 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
ABOUT THE ISSUER

HSBC

HSBC has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-385-8916 or

Try a different phone number
See all Issuer Cards

The HSBC Gold Mastercard® is a simple credit card.

It offers an introductory APR of 0% for 18 months for both purchases and balance transfers, before the regular 12.99–20.99% Variable APR applies, which is quite long compared to most cards.

There are no rewards, but you’ll get some valuable benefits with this card. These include Mastercard Airport Concierge, Purchase Protection and Price Protection when shopping, and Master RoadAssist services in case you break down on the road.

You’ll also get some pretty generous terms, like no annual fee or foreign transaction fees, no penalty APR, and a late fee waiver every year.