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HSBC Advance Mastercard® credit card

Credit needed
Good
APR
14.99% and 18.99%.
Annual Fee
$45 (first year: 0)

Card Summary

The HSBC Advance Mastercard credit cards are a rewards card.

The card earns 3 points per $1 on eligible entertainment and dining purchases. It then earns 2 points per $ on any other purchase up to $25,000 (then 1 point per $0.).

Two points per dollar are earned by cardholders for eligible entertainment and dining purchases. All other purchases earn one point per $1 after year 1.

The HSBC Advance Mastercard card offers benefits such as cellphone protection, identity theft protection and auto rental insurance.

Card Summary - Cons

Rates and fees

Issuer Name
HSBC
Penalty APR
29.99%
Credit Needed
Good
Balance Transfer Fee
$10, or 4% depending on the greater of these two options.
Annual Fee
$45 (first year: 0)
Cash Advance Fee
N/A
APR
14.99% and 18.99%.
Foreign Transaction Fee
N/A
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The Best Features

Rewards: The HSBC Advance Mastercard credit cards offer three points per $1 on eligible entertainment and dining purchases. Two points per $ on other purchases up to $25,000 (then, one point per $0).

Two points per dollar are earned by cardholders for dining out and entertainment, and one point per $1 on any other purchase after the first year.

The Introductory APR is: Purchases and balance transfers within the first 120 days are subject to a 0% interest rate. After that, depending on creditworthiness, you may be charged a variable or fixed APR of either 14.99% or 18.99%.

Rewards

Sign up bonus

APR Requirements

Drawbacks

There is no annual fee: The HSBC Advance Mastercard credit cards do not have an annual fee. However, it does charge a qualifying Advance and Premier customer.

Customers who are not eligible for an HSBC Premier or Advance relationship will pay $45 (the first year is free).

Balance transfer fee: The balance transfer fee is charged to this card. The fee is either 4% or $10 depending on the transfer amount.

Highlights

Get an introductory 3X point on select dining or entertainment, plus 2X points on any other purchase within the first 12 month of Account opening. This includes purchases up to $25,000 and above.

After the initial period, you'll be able to earn 2X Rewards Points for new net dining purchases and certain entertainment purchase.After the intro period, you'll be able to earn 1X points on any other purchase.

There is no annual fee. No Foreign Transaction Fees. Book one of more than 10,000 luxury rental properties across cities such as New York, Los Angeles and London.

Get 10% off MasterRental Insurance.

Benefits of the HSBC Advance Mastercard credit cards:

You can shop, travel and get personal assistance with the HSBC Advance Mastercard credit cards. The following benefits are available:

Insurance for auto rental,
Protection for your cell phone,
Access to your FICO credit scores for free,
Protection against identity theft.

Benefits

Comparative Analysis with Other Cards

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

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