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HSBC Cash Rewards Mastercard® credit card

3% Introductory Cash Back

Earn 3% Cash Rewards on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases.1

HSBC Gold Mastercard® credit card

0% Introductory APR

0%2 Introductory APR on Purchases and Balance Transfers in the first 18 months from Account opening. Balance Transfers must be posted within the first 60 days following Account opening.  After that a competitive variable APR of 12.74%, 16.74% or 20.74%2 will apply.

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HSBC Cash Rewards Mastercard® credit card
View Summary of terms

HSBC Gold Mastercard® credit card
View Summary of Terms

1 For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Cash Rewards per dollar. After the first $10,000 in new purchases, or the first twelve (12) months from Account opening, whichever comes first, you will earn 1.5 Cash Rewards per $1 on all new purchases. Cash Rewards points can be redeemed as cash back. Cash Rewards do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card must be open and in good standing in order to earn Cash Rewards.

2 The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.975.HSBC (4722). The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 12.74%, 16.74% or 20.74%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 12.74%, 16.74% or 20.74%, depending on your creditworthiness, will apply to balance transfers, for the HSBC Gold Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 26.74%. 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 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 5%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details

3 The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.975.HSBC (4722). The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 14.74%, 18.74% or 24.74%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 14.74%, 18.74% or 24.74%, depending on your creditworthiness, will apply to balance transfers, for the HSBC Cash Rewards Mastercard® credit card. The variable Cash APR of 26.74% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 31.74% 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 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 5%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments). 

HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval.