HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card

on HSBC's website

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card

on HSBC's website

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.

  • View Rates and Fees

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: 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

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NerdWallet review

By Sara Rathner

Rating details

4.4

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 variable APR of 12.99% - 22.99% will apply

  • 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 variable APR of 12.99% - 22.99% will apply 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.