HSBC Gold Mastercard® credit card
HSBC Gold Mastercard® credit card
HSBC Gold Mastercard® credit card
Card details
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% - 22.99% will apply.
No Penalty APR.
Late Fee Waiver.
No Foreign Transaction Fees.
$0 Annual Fee.
$0 liability for unauthorized purchases.
Terms Apply.
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
None
Intro APR
0% intro APR on purchases and balance transfers for the first 18 months.
Ongoing APR
APR: 12.99%-22.99%, Variable
Cash Advance APR: 24.99%, Variable
Balance transfer fee
Either $10 or 4%, whichever is greater, will apply on each balance transfer
Foreign transaction fee
None
Recommended credit score
Compare to other cards
 HSBC Gold Mastercard® credit card | ||
|---|---|---|
Annual fee$0 | Annual fee$75 | Annual fee$0 |
Regular APR12.99%-22.99%, Variable | Regular APR18.24%-26.24% Variable APR | |
Intro APR0% intro APR on purchases and balance transfers for the first 18 months. | Intro APRN/A | Intro APR0% intro APR on purchases for 12 months from the date of account opening |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Sara Rathner
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Rating details
4.5
Editor's overall rating
Pros and cons
Pros
No annual fee
Intro APR period on purchases and balance transfers
No foreign transaction fee
Cons
No rewards
If you’re looking to finance a large purchase or are trying to eliminate existing debt while avoiding interest, the HSBC Gold Mastercard® credit card could fit the bill. The card offers a 0% intro APR on purchases and balance transfers for the first 18 months, then an APR of 12.99%-22.99% variable and no foreign transaction fee, but charges a 4% balance transfer fee. Its annual fee is $0.
What helps to set this card apart is its forgiveness policy for your first late payment. You also won't be charged a penalty APR. Other perks include travel benefits, purchase assurance and extended warranty.
However, anyone who’s hoping to earn rewards will want to look elsewhere. For more information, see NerdWallet’s full review of this card.
