HSBC Gold Mastercard®

The HSBC Gold Mastercard is a simple credit card. It offers an 18-month 0% introductory rate for both purchases and balance transfers, which is pretty long compared to most cards.

There are no rewards, but you’ll get some basic benefits with this card. Those include 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 penalty APR, no foreign transaction fees, and a late fee waiver every year.

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Quick View

  • Rewards

    None

  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee None
  • Intro Balance Transfer APR 0% for 18 months
  • Regular Balance Transfer APR 12.74%, 16.74% or 20.74% Variable
  • Cash Advance APR 26.24% Variable
  • Penalty APR None
  • Late Fee Up to $37
  • Returned Payment Fee Up to $25

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Free FICO Credit Score

    You’ll be able to see your FICO 8 Credit Score for free on your credit card statement. Based on your Experian credit report.

  • Yearly Late Fee Waiver

    Your first late fee will be waived each year.

Account Management

  • Mobile & Tablet Apps

    Manage your account from your phone or tablet.

Security

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

Shopping

  • Purchase Protection

    Provides coverage for lost or stolen items within 90 days from the date of purchase.

  • Price Protection

    If you find an item you bought being advertised for a lesser price within 60 days, you can be reimbursed for the price difference.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty up to one additional year.

Travel

  • MasterAssist® Services

    Provides pre-trip planning and help with travel emergencies, including emergency card replacement or cash advances.

  • Master RoadAssist® Service

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. May save money with pre-negotiated fees.

  • Travel Accident Insurance

    Covers you and your family against accidental injury or loss of life up to $1,000,000, when traveling by common carrier.

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