HSBC Advance MasterCard | HSBC

 

HSBC Advance MasterCard® credit card

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Earn 25,000 Rewards Program Bonus Points

Worth $250 in gift cards, after spending $1,500 or more in the first 3 months from Account opening1. Plus, a competitive Introductory APR†, 2 for the first 12 months from Account opening.

2X Rewards Program Points

Earn 2X Rewards Program Points on dining and select entertainment purchases. Earn 1X Point on all other purchases.

Shopping Benefits

Shop with confidence knowing that your purchases are covered with our valuable protection programs5.

Travel Benefits

Make your next trip worry-free with our exceptional travel benefits. Enjoy $1 million travel accident coverage and rental car collision insurance at no extra cost5.

Enhanced Protection

Receive personalized assistance in the event your identity is compromised. Your card is also equipped with a security chip for enhanced fraud protection.

Save on Fees

No Annual Fee for qualified Advance and Premier customers†, 2

No Foreign Transaction Fees

  • Introductory Offer
    • Earn 25,000 Rewards Program Bonus Points, worth $250 in gift cards, after spending $1,500 or more in the first 3 months from Account opening1.
    • 0%†, 2 Introductory APR on Purchases and Balance Transfers for the first 12 months from Account opening. After that, a competitive variable APR of 13.99%, 17.99% or 23.99%†, 2 will apply.
  • 2X Rewards Program Points
    • Earn 2X Rewards Program Points on dining and select entertainment purchases. Earn 1X Point on all other purchases.
    • Redeem Points for gift cards to popular restaurants, movie theaters, and top retailers3.
    • Or choose from a wide selection of leading brand merchandise or cash back4.
    • Search, book and pay for flights, hotels, and car rentals using your Rewards Program Points on our online travel rewards booking site.
  • Shopping Benefits
    • Extended Warranty doubles your original warranty up to two additional years5.
    • Price Protection refunds the difference if you purchase an item and see it advertised for less within 120 days5.
    • Purchase Assurance® covers most purchases against accidental damage or theft for up to 90 days5.
  • Travel Benefits
    • MasterRental® offers coverage for damage or theft of a rental vehicle5.
    • $1 Million Travel Accident Insurance provides coverage when traveling on a common carrier5.
  • Enhanced Protection
    • Security chip offers enhanced protection when used at chip-enabled terminals.
    • Identity Theft Resolution Services provides help restoring credit and expense reimbursement, in the event your identity is compromised5.
    • Make mobile purchases quickly and securely with Android PayTM, Apple PayTM and Samsung PayTM.
  • Save on Fees
    • No Annual Fee for qualified Advance or Premier customers†, 2.
    • No Foreign Transaction Fees

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

Summary of Terms can be accessed here

HSBC Advance Mastercard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

HSBC Advance Mastercard® credit card Rewards & Benefits brochure can be accessed here

1 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 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

2 The information about the costs and benefits of the card described is accurate as of 10/24/2017. The information may have changed after that date. To find out what may have changed, call 866.584.4722. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 13.99% or 17.99%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 13.99% or 17.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks for the HSBC Advance Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 25.99%. Your APRs may increase to the variable Penalty APR of 30.99% 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 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. There is no Foreign Transaction Fee. A $0 Annual Fee will apply for HSBC Advance Mastercard® credit card Account customers who have a qualifying U.S. HSBC Advance6 or U.S. HSBC Premier7 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 Advance6 or U.S. HSBC Premier7 checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. See Summary of Terms for details.

3 All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

4 Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to the HSBC Advance Mastercard® credit card Guide to Benefits and Terms & Conditions brochure, which will be supplied to all new customers following the receipt of their card.

5 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard®, or HSBC Bank USA, N.A. Please see the HSBC Advance Mastercard® credit card Guide to Benefits and Terms & Conditions brochure, which is provided to all new customers following the receipt of their card.

6 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.

7 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 a personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

HSBC Advance Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Advance or Premier relationship. To learn more, speak with an HSBC branch representative.

Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Android Pay is a trademark of Google Inc.

Apple Pay is a trademark of Apple Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Have a question?

Call our Customer Relationship Center
800.975.4722

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† 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

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

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普通话

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Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

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