HSBC MasterCard Business Card | Payments | HSBC Business Banking

Notice:

The Home Depot has reported a breach of its payment data systems, which could potentially impact customers at its U.S.and Canadian stores. For further information regarding this data breach please visit The Home Depot website at www.homedepot.com

As always, we are closely monitoring HSBC accounts for unusual activity and will contact you as appropriate. We strongly encourage you to monitor your transactions and notify us immediately if you see anything suspicious.

HSBC MasterCard BusinessCard® Card

The HSBC MasterCard BusinessCard® Card is an excellent cash management solution for your business. Use it for office improvements, travel or every day expenses.

Man in a fireworks warehouse | HSBC MasterCard BusinessCard

For all of your business related expenses

Maximize cash flow
  • Individual cards for designated employees, branded with your company or organization name
  • Individual spending limits with a credit line up to $25,000
  • A monthly cardholder statement for every user
  • Easy reconciliation with consolidated company-level billing
  • Free year-end summary statement
Earn Reward Points

Enroll in the HSBC BusinessCard Rewards Program and earn Points for your card purchase activity.

  • Points can be redeemed for free air travel, ultimate sports experiences and gift cards to restaurants, retailers and cruises
  • $25 annual fee per account for the Rewards Program
  • Receive 2,500 bonus Points just for enrolling
  • Earn one Point for every $1 in new, net card purchases, up to 10,000 Points per month
  • Redeem your Points at any time by calling 800.952.4315 or online at us.hsbc.com
Other MasterCard products
  • HSBC MasterCard® Corporate Card. Authorized employees can use the Card to get cash, up to limits you prescribe, at more than a million ATM and bank locations around the globe. Employees appreciate the ease, freedom and flexibility, while you benefit from better adherence to your company's travel and spending policies.
  • HSBC MasterCard® Purchasing Card. An efficient alternative to writing and processing individual purchase orders and check payments to vendors. Since point-of-sale spending restrictions can be built right into each card, you enjoy greater control over where and what your employees buy.

If you're ready to apply for an HSBC BusinessCard MasterCard®

Apply now
Interest Rate and Fee Information1

Overdraft Fees: either $5 or 3% of the overdraft amount, whichever is greater; $50 maximum, unless otherwise disclosed. Finance Charges accrue from the date of transaction.

Balance Transfer Fee: either $5 or 3% on each transaction, whichever is greater; $50 maximum, unless otherwise disclosed. Finance Charges accrue from the date of posting.

Cash Advance Fee: either $5 or 3% on each amount advanced, whichever is greater; $50 maximum, unless otherwise disclosed. Finance Charges accrue from date of transaction. Cash advances may be limited. Your cash advance line, if different from your total Credit Line will be disclosed on your monthly billing statement.

Line of Credit Check Fee: either $5 or 3% of the check amount, whichever is greater; $50 maximum, unless otherwise disclosed. Finance Charges accrue from the date of posting.

Late Payment Fee: $35

Returned Payment Fee: $20.

Dishonored Line of Credit Check Fee: $35

BusinessCard Rewards Program Fee: $253 (if you elect to participate in the program)

Annual Percentage Rate ("APR") for Purchases

0% APR for 6 months from Account opening.

After 6 months, the APR would be: 13.24%

This APR will vary with the market based on the Prime Rate.

Other APRs

0% APR for 6 months from Account opening.

After that, your APR for cash advances and balance transfers would be 21.24%. These APRs will vary with the market based on the Prime Rate.

Variable Rate Information

The APRs for purchases, cash advances and balance transfers may vary. Each APR is determined quarterly by adding the following specified amount ("Spread") to the Prime Rate2:

  • Purchases: 9.99%
  • Cash advances and Balance Transfers: 17.99%
Grace period for repayment of balances for purchases

25 days

Method of computing the balance for purchases

Average daily balance (including new purchases)

Annual Fee

None

Minimum Finance Charge

$ .50



United States persons (including entities) may be subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons and entities should consult a tax advisor for more information.

1 The information about the costs of the cards described in this application was published on 04/14/2014 and is accurate for April through June 2014. This information may have changed after that period. To find out what may have changed, call us at 877.472.2249.

2 The Prime Rate used to determine your APRs is the highest domestic "Prime Rate" published in The Wall Street Journal on the first business day of the preceding calendar quarter.

3 BusinessCard Rewards: For consolidated pay option accounts there is an annual fee of $25.00 for only the central control billing account. For individual billing accounts, the annual fee is $25.00 per individual billing account.

NEW YORK RESIDENTS may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department, 800.522.3330.

APPLICABLE LAW: The above rates and fees are governed, as are your Cardholder Agreement and Account, by the laws and regulations of the State of Virginia, as well as the applicable laws and regulations of the United States of America.

Subject to Credit Approval.

Applicable to new MasterCard BusinessCard® Card Programs Only.


Introductory Rate Option Cardholder Agreement Amendment:

If you decide to take advantage of this 0% APR offer for all balances you transfer, Line of Credit Checks you write, cash advances and purchases you make with your credit card, the following terms and conditions will apply and your Cardholder Agreement shall be amended accordingly:

The corresponding ANNUAL PERCENTAGE RATE (APR) shall be at a fixed rate of 0% (monthly Periodic Rate of .000% for Purchases, daily Periodic Rate of .00000% for Loans). This rate shall apply to new purchases obtained via your credit card and loans obtained via the Line of Credit Checks, balance transfers and cash advances.

Line of Credit checks are subject to applicable negotiation rules. HSBC is not responsible for checks returned for insufficient available credit. The maximum amount of all balances transferred, Line of Credit checks written, cash advances and purchases cannot exceed your available credit under this Account.

You may not use this Balance Transfer option to make a payment on your Account or to pay off other HSBC credit accounts.

This introductory APR shall remain in effect for six months from the date your account is opened. After that date, the program and its terms shall be deemed expired and the then applicable Account rates and terms as described in the Truth-In-Lending Disclosures and in your Cardholder Agreement shall apply and your Loans and Purchases interest rates shall revert to the rates then in effect.

This Introductory Rate Option offer is applicable only to this Account, per the above terms and conditions.

All other provisions of your Cardholder Agreement shall remain in full force and effect. Until your balance transfers are processed, you may need to make a minimum payment to your other accounts to keep them current. HSBC will process your balance transfer requests from the highest to the lowest amount. The total amount of balance transfers cannot exceed your maximum available credit limit, whether or not it is sufficient to cover your total balance transfer request. HSBC will advise you when payment is mailed.

If you are unable to print this disclosure or have any questions, please call us toll free at 877.472.2249.

4 Customer Service hours of operation are 6:00AM ET to 12:00AM ET.

Talk to us

Call our dedicated Business Banking Customer Service4 at

877.472.2249

TTY/TTD:
800.898.5999

The HSBC advantage

With more than 140 years in business, HSBC provides a powerful mix of global reach and local knowledge. We bring together the expertise, security and fiscal strength of one of the world's leading financial institutions with the personalized service of your local bank.

Real-time account access

Business banking advice

Have a question?

Call our dedicated Business Customer Service Center at
877.472.2249

We're here from 6:00AM to 12:00AM ET

TTY/TTD: 800.898.5999
Mon - Fri (6am to 10:30pm ET)
Sat & Sun (7am to 10:30pm ET)

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