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The HSBC Gold Mastercard credit cards offer an 18-month 0% APR introductory Rate on balance transfers and purchases. The variable APR ranges from 13.99% up to 23.99% depending on creditworthiness.
There is no annual fee. Foreign transaction fees are not charged. However, there may be a return fee.
Late payment fees can reach up to $39. Late payment fees will not be charged the first time that you pay. Each balance transfer is subject to a balance transfer fee, either 4% or $10. The HSBC Gold Mastercard credit cards does not have a reward program.
Annual Fee: The HSBC Gold Mastercard credit cards require an annual fee of $0
18-month 0% introductory rate: New cardholders of the HSBC Gold Mastercard card get an 18 month 0% APR introductory interest rate for new purchases and balance transfers.
After that the variable APR ranges from 13.99% to 23.99% depending on creditworthiness. Each balance transfer is subject to a balance transfer fee, either 4% or $10.
There is no rewards program with the HSBC Gold Mastercard credit cards.
High interest rates: This APR is potentially high relative to other credit cards.
While those who have good credit might be eligible for a lower APR, people with poor credit could pay a higher APR.
Late Fee Waiver.
No Foreign Transaction Fees.
There is no annual fee.
Unauthorized purchases are exempted from liability.
Mastercard Airport Concierge.
Mastercard ID Theft Prevention.
Cardholders of the HSBC Gold Mastercard card receive:
Airport concierge service.
Insurance for auto rental.
Access to your FICO credit scores for free.
Protection against identity theft.
Annual Fee: The HSBC Gold Mastercard credit cards charges an annual fee $0. Annual fee for the Capital One Quicksilver Rewards Credit Card is $0.
Reward Program: The HSBC Gold Mastercard card credit card doesn't offer a reward program. Capital One Quicksilver Cash Reward Credit Card offers 1.5% cashback on all your purchases.
Sign up bonus: The HSBC Gold Mastercard card is not offering a sign up bonus. Capital One Quicksilver Cash Reward Credit Card allows you to earn $200 cash bonuses when you make purchases of $500 within three months.
Benefits: HSBC Gold Mastercard cardholders receive a waiver for rental car damage, an airport concierge service and access to their FICO credit scores.
The Capital One Quicksilver Cash Reward Credit Card offers extended warranty coverage as well as concierge and travel services, savings and emergency card replacement.