HSBC Advance MasterCard credit card | HSBC

 

HSBC Advance MasterCard® credit card

To apply or learn more call 866.584.HSBC (4722), or

Apply online

Turn Everyday Purchases into Extraordinary Rewards

  • Rewards Program
    As a new Advance MasterCard® credit card customer, earn 15,000 Rewards Program Bonus Points after spending $1,500 in new, net card purchases in the first three months from Account opening2.
  • 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%† 1 Introductory APR on card purchases and balance transfers for the first 6 months from Account opening. After the Introductory Period, a competitive variable APR of 12.99% or 16.99%† 1 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.

To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain $10,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $20 will be incurred if minimum balance requirements are not maintained.

1 The information about the costs and benefits of the card described is accurate as of 11/21/2014. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of 12.99% or 16.99%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 12.99% or 16.99%, 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 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% 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 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. There is no Annual Fee or Foreign Transaction Fee.

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.

2 The 15,000 Rewards Program Bonus Points ("Rewards 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 15,000 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 Rewards Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Rewards Program 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 an 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.

Advance eligibility

To qualify for an HSBC Advance relationship, you are required to:

  • Open an HSBC Advance Checking account and
  • Maintain $10,000 in combined U.S. personal deposit and investment balances

Have a question?

Call our Customer Relationship Center
800.975.4722

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