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HSBC Advance Mastercard® Credit Card

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Our rating
Credit range: Fair
Annual Fee: $45, $0 first year ($0 with qualifying HSBC Advance or Premier checking account)
Regular APR: 17.24% or 21.24% Variable
Intro Balance Transfer APR: 0% for 12 months
Intro Purchase APR: 0% for 12 months

HSBC Advance Mastercard® Credit Card

Our rating
Fair Credit range
$45, $0 first year ($0 with qualifying HSBC Advance or Premier checking account) Annual Fee
Apply Now

Highlights & Features

Rewards

  • In the first year, up to $25,000 spent:
    • 3X points per dollar on:
      • Dining
      • Select entertainment
    • 2X points per dollar on all other purchases
  • After the first year:
    • 3X points per dollar on:
      • Dining
      • Select Entertainment
    • 2X points per dollar on all other purchase

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 12 months
Regular Balance Transfer APR 17.24% or 21.24% Variable
Balance Transfer Fee 3%, $10 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 32.24% Variable
Late Fee Up to $37
Returned Payment Fee Up to $25
Additional Cards Annual Fee None
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 3%, $10 minimum
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

HSBC

HSBC has several card types depending on your needs.

Manage your Account & Pay your Bill

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Credit card issuer's website

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1-888-385-8916 or

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HSBC Advance Mastercard® Credit Card

Highlights

  • 3X points per dollar on dining and select entertainment purchases, and 2X points per dollar on all other purchases in the first year, up to $25,000 in total purchases.
  • After the first year, you’ll earn 2X points per dollar on dining and select entertainment purchases, and 1X point per dollar on all other purchases.
  • 0% intro APR for purchases and balance transfers for 12 months, and then your rates will be 17.24% or 21.24% Variable
  • No annual fee if you have a HSBC Advance or Premier checking account, $45 if you no longer have one
  • No foreign transaction fee
  • Must have an HSBC Advance or Premier checking account in order to apply

The HSBC Advance Mastercard® is a low-interest rewards credit card that earns points a little differently than most cards.

You’ll earn 3X points per dollar on dining and select entertainment purchases, and 2X points per dollar on all other purchases in the first year, up to $25,000 in total purchases. After the first year, you’ll earn 2X points per dollar on dining and select entertainment purchases, and 1X point per dollar on all other purchases.

You’ll get a 0% intro APR for purchases and balance transfers for 12 months, and then your rates will be 17.24% or 21.24% Variable.

To apply for this credit card, you must have an existing U.S. HSBC Advance or Premier checking account.

This card has no annual fee, but if you close your connected HSBC Advance or Premier checking account then your annual fee will be $45.