HSBC Advance MasterCard credit card | HSBC
Turn Everyday Purchases into Extraordinary Rewards
- Rewards Program
As a new Advance MasterCard® credit card customer, earn 25,000 Rewards Program Bonus Points after spending $1,500 in new, net card purchases in the first three months from Account opening4.
- Make Every Day More Rewarding
- For dining and select entertainment - earn 2 Rewards Program Points for every $1 in new, net card purchases
- For all other types of merchant purchases earn 1 Rewards Program Point for each $1 in new, net card purchases
- No limit on Rewards Program Points earned and they do not expire
- Low Introductory Rate
0%† 3 Introductory APR on card purchases and balance transfers for the first 12 months from Account opening. After the Introductory Period, a competitive variable APR of 13.24% or 17.24%†3 will apply to Purchases and Balance Transfers.
- Redeem for Great Dining and Entertainment Options
Choose from hundreds of gift cards...
- Treat yourself to dinner and a movie at popular restaurants and movie theaters
- Enjoy your favorite music, movie or game downloads
- Enhance your home entertainment with cutting edge electronics and top brand merchandise
† Summary of Terms can be accessed here.
1 HSBC Advance MasterCard® credit card requires a U.S. HSBC Advance or Premier relationship and is subject to credit approval. To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.
2 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for personal HSBC Premier Relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.
3 The information about the costs and benefits of the card described is accurate as of 12/04/2016. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 13.24% or 17.24%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 13.24% or 17.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts, and is 25.24%. Your APRs may increase to the variable Penalty APR of 30.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 3%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 3%, whichever is greater, will apply on the overdraft amount, if applicable. A $0 Annual Fee will apply for HSBC Advance MasterCard® credit card Account customers who have a qualifying U.S. HSBC Advance1 or U.S. HSBC Premier2 checking account relationship. A $45 Annual Fee will apply for HSBC Advance MasterCard® credit card Account customers who no longer have a qualifying U.S. HSBC Advance1 or U.S. HSBC Premier2 checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. There is no Foreign transaction Fee. See Summary of Terms for details.
We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.
4 The 25,000 Rewards Program Bonus Points ("Bonus Points") offer applies to new, net purchases using your HSBC Advance MasterCard® credit card when you charge the qualifying amount or more within the first three (3) months from Account opening ("Promotional Period"). The 25,000 Rewards Bonus Points offer does not apply to balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Advance MasterCard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.
HSBC Advance MasterCard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC Advance or Premier relationship. To learn more, speak with an HSBC branch representative.
MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.
To qualify for an HSBC Advance relationship, you are required to:
- Open an HSBC Advance Checking account and
- Maintain linked combined balances of at least $10,000 or at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle
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|†† Investments, Annuity and Insurance Products:|
|ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES||ARE NOT FDIC INSURED||ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY||ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES||MAY LOSE VALUE|
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