HSBC Gold Mastercard® credit card
on HSBC's website
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 13.24%, 17.24% or 21.24% 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% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Ongoing APR
APR: 13.24%, 17.24% or 21.24% Variable
Cash Advance APR: 27.24%, Variable
Balance transfer fee
4%
Foreign transaction fee
None
Recommended credit score
NerdWallet review
By Sara Rathner
Rating details
3.5
Editor's overall rating
Pros and cons
Pros
No annual fee
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a 13.24%, 17.24% or 21.24% variable APR
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% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a 13.24%, 17.24% or 21.24% variable APR, along with a reasonable 4% balance transfer fee and no foreign transaction 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, price protection, 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.
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