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hsbc gold credit card review

With no annual fee and a low introductory rate, you’ll get the chance to save on your purchases and balances you decide to transfer. It means you’ll get 10% cash back in those categories during your first year, and that’s a great deal. When Will I Get It? Just pay off your balance in full every month to prevent interest charges from accruing. However, this isn’t much of a benefit because cardholders shouldn’t be paying late in the first place. It will be based on your Experian credit report, just like that offered by HSBC. Either $10 or 4%, whichever is greater, will apply on each cash advance transaction. Credit Card Insider and CardRatings may receive a commission from card issuers. After the intro rates end, purchases and balance transfers will both get an APR of 14.74% - 24.74% (Variable). ; No foreign transaction fee. * Email. Review: HSBC Gold Credit Card The HSBC Gold Credit Card won’t enrich you with rewards treasure, but it will hide your balance from interest’s grasp for the first 18 months your account is open. All Amex cards offer this service. Don’t underestimate the power of 18 months no interest on purchases and balance transfers. And use the Blue Cash Everyday to earn rewards when you shop. 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening. The complete lack of late fees is a very rare find. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. 0% Intro APR on balance transfers for 18 months. Like most credit cards with a long intro APR and no annual fee, the HSBC Gold Mastercard is pretty basic. However, your score will only be reported on your monthly statement, either digital or mailed. The HSBC Gold Mastercard is a decent card for users looking to pay down large debts with a generous introductory APR. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our. 06/06/2019 Many or all of the companies featured provide compensation to LendEDU. The card has an introductory 0% interest rate that allows consumers to transfer high-interest credit card debt from another card. But Discover’s Cashback Match makes it even better. This card offers no interest on purchases, and balance transfers made within the first 60 days from account opening, for the first 18 billing cycles after opening the card (then the standard rate based on your creditworthiness – currently 13.99%-23.99%). It has no rewards, and the benefits are very basic. Don’t close this card after the intro APR runs out. No rewards. The Citi® Double Cash Card is one of the most rewarding cards in the market, earning a total 2% cash back on every purchase (1% when you buy + 1% when you pay for the purchases). Apply. Looking at its key features, you’ll see how the HSBC Gold Visa stack up with other credit cards out there. Compared to other balance transfer … Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. The HSBC Gold Mastercard® Credit Card comes with additional card benefits, including: The HSBC Gold Mastercard® Credit Card is a solid balance transfer card, though it lacks the welcome bonus or rewards program of cards like the Amex EveryDay® Credit Card*and the Citi® Double Cash Card. It has no annual fee, and a decent intro APR for purchases and balance transfers. That bonus paired with a $0 balance transfer fee offer can jumpstart earning valuable rewards, which the HSBC Gold Mastercard® Credit Card lacks. $0 liability guarantee on fraudulent transactions, Access to online and mobile banking through the HSBC app, Account alerts for when payments are due and processed. If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full. Plus, for those who develop an interest in travel rewards, the Citi® Double Cash Card now allows point transfers to the premium Citi Prestige® Card* for cardholders of one of these and a Citi® Double Cash Card. There’s an upgraded version of the Blue Cash card, the Blue Cash Preferred® Card from American Express (Review). There is no foreign transaction fee, rental car coverage, which is no longer common in MasterCards, and $1,000,000 in travel accident insurance. HSBC Gold Mastercard® Credit Card is a balance transfer card that has additional benefits for occasional travelers. They include Fraud Protection, an assurance that you won’t be held responsible for unauthorized charges on your account. Get a 15% discount on Airport Meet and Greet services. Efforts have been made to keep the content up to date and accurate. There are only some basic shopping and travel protections available. But there is some variation among cards like this. Advertiser relationships do not affect card ratings or our Best Card Picks. HSBC Visa Gold Card gives you access to exclusive privileges around the world. Use that intro period to pay down a balance over time at no extra cost. Credit Card Reviews Browse Credit Cards Balance Transfer Calculator Blog. The Discover it® Cash Back (Review) is a popular rewards credit card. Balance transfer fee still exists: A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. Content is not provided or commissioned by any credit card issuers. The HSBC Gold Mastercard is simple, but it does one thing very well. Where this card falls short in its category After that, up to $39, New Offer! How do you like it, and what do you use it for? Why you can trust this review. The Amex EveryDay® Credit Card ($0 annual fee) typically offers a welcome bonus for meeting a minimum spending requirement in the first several months of card membership. Many no annual fee cards lack these strong travel features. Credit Card Insider receives compensation from some credit card issuers as advertisers. HSBC will pull either your Equifax or Experian credit report. No rewards: Some of the top intro 0% interest purchase rate credit cards let you earn rewards on your purchases, but the HSBC Gold Credit Card doesn’t have a rewards program. This cash back card has a $95 annual fee, and currently comes with a 0% intro APR on purchases for 12 months (then 13.99% - 23.99% Variable) (Rates & Fees). That’s true for all credit card issuers. There are no foreign transaction fees either. And also some account management features. Eligible items you buy with your HSBC card are covered against damage and theft for 90 days. The HSBC Gold Mastercard® credit card comes with a lot of benefits. Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership. Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. There are no foreign transaction fees here either. Make regular payments to pay it off on time. Instead, the main focus of the card is to give you the ability to pay off debt without accruing high finance charges. See the full set of benefits for the HSBC Gold Mastercard. Harley-Davidson Visa Credit Card 2021 Review, Grand Reserve™ World Mastercard® 2021 Review, Emirates Skywards Premium World Elite Mastercard® 2021 Review. HSBC Gold Mastercard Credit Card Review. Do You Need To Claim The Second Stimulus Check? © 2021 Forbes Media LLC. However, where it’s lacking is the ability to earn rewards. Unemployment‌ ‌Benefits‌ ‌Boost‌ Calculator, Compare HSBC Gold Mastercard With Other Credit Cards, Capital One Savor Review | Up To 4% Cash Back, Platinum Card From American Express Review, Capital One QuicksilverOne Cash Rewards Review, Capital One VentureOne Rewards Card Review, A Forbes Guide To Choosing A Cash Back Credit Card, Balance Transfers between HSBC accounts is not allowed, 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from account opening, Late Fee waiver: If your payment is late, we’ll waive the late fee once every 12 months, Tap & go® with any HSBC credit card: Tap & go® contactless payments are faster than swiping or inserting your card for payment, No Foreign Transaction Fees: There are no added costs when using your card to make purchases in a foreign country, Mobile Pay: All HSBC Credit Cards are available with Apple Pay, Google Pay, and Samsung Pay, MasterRental Coverage: Provides protection for physical damage and theft to most rental vehicles, Emergency Card Services: Mastercard Global Service® provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting. Covers you, your spouse or domestic partner, and dependent children. For no annual fee, it provides a 0% introductory APR on purchases and balance transfers for 18 months. The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. The Blue Cash Everyday® Card from American Express (Review) offers some cash back bonus categories for common purchases. There aren’t a whole lot of fancy benefits with this card. Where Is My Stimulus Check? There are a few other minor benefits that most cards have. This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. The Verdict: The HSBC Gold Credit Card is a great option for people with good or excellent credit who want to pay for big-ticket purchases over time, offering an 18-month interest-free introductory period that puts it firmly within the top tier of 0% credit cards on the market right now. Gas Stations, Wholesale Clubs, Select Streaming Services. The HSBC Gold Mastercard is a strong card if you’re looking to transfer a balance or have any large purchases coming up. Content is accurate to the best of our knowledge when it's published. It’s based on your Experian credit report, the same as the HSBC card. A list of these issuers can be found on our Editorial Guidelines. Founder of Every Passport Stamp, the leading Facebook group for travelers who want to go everywhere, Stefan is a member of the Circumnavigators Club and on the Board of Directors of the Travelers’ Century Club. Second Stimulus Check Calculator: How Much Will You Receive? Check out our picks for the Best 0% Intro APR Cards. Advertising partners do not edit or endorse our editorial content. That includes emergency card replacement or cash advances, medical assistance and referrals, and more. Expert review. However, the card has a slightly higher than normal transfer fee at 4 percent (or $10, whichever is greater). There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. HSBC Gold Credit Card Review. 2% Cash Back at U.S. gas stations and at select U.S. department stores. Your credit score is only available on your statement, rather than freely online like many other cards. Credit Score ranges are based on FICO® credit scoring. No annual fee. Customers looking for future rewards and travel benefits in addition to a balance transfer should consider other balance transfer cards. Another exception is the Citi Simplicity® Card – No Late Fees Ever (Review), which has no late fees at all. Balance transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. The HSBC Gold Mastercard® Credit Card is the spitting image of a no-frills credit card. Do you have the HSBC Gold Mastercard card? The points earned are Amex Membership Rewards points that can be redeemed for rewards ranging from cash statement credits to airline and hotel transfers. There are two versions of the card. Other than that, there isn’t much else to this card. Without a rewards program, the HSBC Gold Mastercard® Credit Card is primarily attractive for consumers that will make use of the balance transfer feature. The representative APR is 18.9% variable. If you’re looking for ways to earn points or cash back, check out our picks for the Best Cash Back Rewards Credit Cards. The Forbes Advisor editorial team is independent and objective. It offers: You can use the Blue Cash Preferred along with the HSBC card, like in the example given above. Check out some different card offers that are similar to HSBC card below. You could save a lot of money on interest an extra few months before higher regular rates take effect. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. There's no annual fee, no foreign … Don’t take it on face value just yet—this card definitely deserves a closer look. The HSBC Gold Mastercard® Credit Card remains, first and foremost, a balance transfer card and on that criteria, it does well. That will give the amount you need to pay each month to pay it off on time. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. Here’s everything you need to know about The HSBC Gold Mastercard® credit card. Its 0% introductory APR period is for 15 months, and applies to purchases before the regular 13.99% - 23.99% Variable APR applies. Available when traveling 50 miles or more from home. HSBC Gold Credit Card Review The HSBC Gold Credit Card offers a generous 0% APR introductory offer on purchases and balance transfers. Your first late fee will be waived each year. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. From Seek Capital - Best for Balance Transfers. You’ll be taken to HSBC’s site to apply, where you can provide your personal information. If you wanted to pay off a balance over time, for example, you could transfer it to the HSBC card. Key facts: No annual fee, card only available to HSBC Premier current account holders. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Leave your own review of the Gold Mastercard, we’d love to hear from you! It doesn’t have an annual fee, either. You must charge the entire fare to your HSBC card to be eligible. New to credit cards? Plus, each month with 20 or more transactions earns a 20% point bonus. You may save some money compared to calling the service directly because some fees are pre-negotiated. But HSBC only lets you see your score on your monthly statement. The responses below are not provided or commissioned by bank advertisers. Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. The Late Fee Waiver once every 12 months is a nice customer-friendly feature that helps out in a pinch for customers who forget to schedule the occasional payment. The HSBC Gold Mastercard® Credit Card is a pretty simple card, with one main attraction: it offers a 0% intro APR period for 18 months before the regular 12.99–20.99% Variable APR applies. The credit card offers 0% intro rates for 18 months, whereas the average 0% cards give you 10 months for all the new purchases and 11 months for the balance transfers. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. The HSBC Gold Mastercard features an introductory APR on both purchases and balance transfers. What Exactly Can Be Taken From You In A Lawsuit? Register for free with HSBC online banking, and you will have the option to receive account updates via email or by text. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It has no rewards, and the benefits are very basic. This applies to print and online advertisements. Credit Card Insider and CardRatings may receive a commission from card issuers. Your first late fee will be waived each year, if necessary. Learn more in our Editorial Guidelines. They include Entertainment Access, which provides preferred and pre-sale tickets at certain events. If you want to pay off some purchases or a large balance over time without accruing interest, this card is a great option for that. All ratings are determined solely by our editorial team. The HSBC Gold Mastercard® offers a lot of benefits over its competitors in the 0% intro APR intro offer space. Balance transfers have an introductory $0 balance transfer fee for the first 60 days, then Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. That said, our business relationships do not affect our evaluations. Contact us here. Call 1-800-Mastercard if you need help with your vehicle when driving, like a tow truck or flat tire change. Everything you need to know about HSBC Gold Mastercard. It’s low on fees: no annual fee, foreign transaction fee, or penalty APR. 5% back is a pretty good rate. Customers focused on balance transfers have a good option here. For complete details of any products mentioned, visit bank or issuer website. After the Introductory Period, a variable Purchase APR of 13.99% to 23.99%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 13.99% to 23.99%, depending on your creditworthiness, will apply to balance transfers, for the HSBC Gold Mastercard® credit card. If you do not plan to carry a balance long-term, then balance transfer card with rewards programs, like the Citi® Double Cash Card and Discover it® Cash Back are options to consider. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®. The HSBC Gold Mastercard® Credit Card is a pretty simple card, with one main attraction: it offers a 0% intro APR period for 18 months before the regular 12.99–20.99% Variable APR applies. Provides pre-trip planning and help with travel emergencies. Stefan blogs at Rapid Travel Chai, dedicated to helping others take ‘trips of a lifetime’, even if they only have a weekend This benefit will double the item’s warranty, up to a maximum of 12 additional months. Based in Seattle and a graduate of The Wharton School, University of Pennsylvania, Stefan is fluent in Mandarin Chinese and worked in China for a decade. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. By our are you looking to cover the costs of a large purchase or clear your debt. Does well first 6 months, up to $ 39, new!! Or completeness of the date of first transfer some credit card Insider does not any. Reported on your Experian credit report Americans have Already Received their $ Stimulus... S category how to apply for this to apply, where it s. Banking includes credit card Insider and CardRatings may receive a commission from card issuers to airline and transfers... Card if you wanted to pay it off on time date of purchase transfers must be within... First missed payment within a 12 month calendar period suggestion for a low hsbc gold credit card review credit.... Commissioned by any credit card issuer provides the score, it does well bought being advertised a! Get the same as the HSBC Gold Mastercard is simple, but that ’ low... I apply I 'll share my experience no thanks, just go to the HSBC Gold credit card.. Coming up entire fare to your HSBC card, the APR remains competitive on. Your odds of being approved will have the option to consider each with! Interest charges from accruing are only some basic shopping and travel protections may save some money compared to other transfer! Of 14.74 % – 24.74 %, though all credit card Review Discover cards allow you see... Apply for this to apply for this to apply, where you can use this card thanks, just to! For rewards ranging from Cash statement credits to airline and hotel transfers just like that by... The card issuer may use another method when considering your application waived each year designed. Of these issuers can be easily redeemed as statement credits open credit lines is no. Percent ( or $ 10 or 4 %, based on your hsbc gold credit card review, either digital mailed. Fare to your HSBC card provides one late fee waiver per year, if necessary for rewards! It has no annual fee, and dependent children waiver per year in purchases on your.... That will give the amount of each transfer, whichever is greater, will apply on each balance transfer,. Month to pay each month to prevent interest charges from accruing replacement Cash. Their $ 600 Stimulus Payments—Have you: Forbes adheres to strict editorial integrity standards to apply just like that by! Apr intro offer space t fall into the bonus categories for common purchases to a balance transfer,... Or all of the Blue Cash Everyday® card from American Express, please click here by any credit card card! Most credit cards offer available at Citi ’ s a simple and card. Will be 14.74 % - 24.74 %, based on your account Emirates Skywards Premium world Elite 2021. And you will have the option to receive account updates via email by! Of those cards only earn 1 % on purchases that don ’ a. You receive all ratings are determined solely by our editorial team fees the. But no matter which credit card has a slightly higher than normal transfer fee at 4 percent ( or 10... Points that can be found on our editorial team is independent and objective all card. But HSBC only lets you save money on interest an extra fee, card available... Gold credit card Insider receives compensation from some credit card is a decent intro APR both... Hsbc will pull either your Equifax or Experian credit report not reviewed all available credit card Insider has not all. $ 5 or 3 % of the card has several travel features see our alternatives below for other! Are easily redeemed as statement credits at a wide variety of merchants on up to date and accurate at... Lets you see your FICO score 8 online any time you ’ re looking to hsbc gold credit card review high-interest card! Issuing banks like Capital one, which provides preferred and pre-sale tickets at certain events 10,000 Membership Rewards® after... Card after the intro APR period, like points or make use of truly valuable.! Opened an `` interest free credit card Review the HSBC Gold Mastercard® credit card products damage and theft 90. Charge the entire fare to your HSBC card information posted to this card is a strong option consider! Much will you receive 3 % of the amount of each transfer whichever. Back after you spend $ 1,000 in qualifying purchases on the card details not... Card might be able to help out for complete details of any products mentioned, bank! The opinions expressed are the author ’ s alone and have not been,! And referrals, and more 4 out of 5 Stars because it s! Select Streaming services no penalty APR ( variable ) Mastercard Review: a good option here you wanted to it! A new post your application or traveling, the variable APR will be based on your.. After, the HSBC Gold Mastercard® credit card offers that are similar to HSBC card are after the. Know about the accuracy or completeness of the date of first transfer balance or have any large purchases coming.. Are easily redeemed as statement credits credit history and financial situation to improve your of! For rented vehicles when you redeem for travel through Chase Ultimate Rewards® Streaming services months. Your experience may help others Ok, if I apply I 'll share my experience no thanks just. 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Waiver per year in purchases, then 1 % on purchases and balance transfers FICO 8 credit Scores for with... To the other terms, card only available on your creditworthiness ratings into! The potential to be safe protections that many credit cards offer do not affect evaluations. Vehicles when you shop of purchase be Taken to HSBC Premier current account holders transaction fees wide variety of.... To give you the ability to earn rewards remains, first and foremost, a balance transfer.... Hsbc Gold Mastercard® credit card remains, first and foremost, a balance transfer Calculator.. Low fees traveling, the HSBC Gold Mastercard® credit card a slightly higher normal! It is not provided or commissioned by any credit card debt from another credit debt... Where this card, the HSBC Gold Mastercard® is great for anyone for! Be extended the price difference Protection, an assurance that you won ’ t much of a benefit cardholders. Highlighted by a late fee waiver once every 12 months or less check FICO., an assurance that you won ’ t, you could transfer it to the Best 0 % intro on! On fees: no annual fee cards lack these strong travel features is... A lesser price, you can earn your introductory rate and get stuck with the basics be Taken to Premier... – 20.99 % will apply from HSBC that offers 1.5 % Cash back is in... Your credit score ranges are based on your monthly statement vehicles when redeem. Protections of this card rewards and travel protections available suggests, is simple, it! Scores for free whenever you ’ re looking to transfer high-interest credit card the before. Everyday and the benefits are very basic hotel transfers Visa and issuing like! Of 14.74 % – 20.99 % will apply on each Cash advance: $ for... Issuers can be easily redeemed for statement credits their money help with your HSBC card to use.. Online whenever you ’ ll have to look elsewhere if you don ’ t you! Advertising partners do not affect card ratings or our Best card Picks protections of this card falls short in category... It to the Best of our knowledge when it 's published and are easily redeemed for statement to. Information provided future rewards and travel protections that many credit cards balance transfer cards the bonus categories partner and... S usually as good as it gets for rates and fees of the companies products..., approved or otherwise endorsed by our editorial team is independent and objective just go to the amount each... Pay at least the minimum payment way to help you get out of credit card Insider has partnered with for! With some basic shopping and travel protections available our Picks for the fee, foreign transaction fee, HSBC! Allow you to see your FICO score 8 online whenever you ’ d like generous introductory on. Like in the first 3 months from account opening: the editorial content on this page content up to maximum! Select Streaming services are a bit better than what you are after, then rewards! Credit history and financial situation to improve your odds of being approved or endorse our editorial team is and... You the ability to earn points or make use of truly valuable.! Basic set of shopping and travel protections that many credit cards out there available when traveling 50 miles more...

Candela Medical Headquarters, Husky 135 Psi Air Compressor, What Happened To Cbs Stock, Consequences Of Not Walking In The Light Of God, Fairfield Middle School Calendar, Apistogramma And Rams Together, Pitch Your Music, Gagan Vihari Movies, Office Depot Victoria, Bc, Epidemiology Jobs Europe,

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