Card
Network

Mastercard®
Bank

HSBC Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Good, Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.

CARD DETAILS

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
+ Pros
  • 18-month 0% intro APR on Purchases and BT.
  • No annual fee.
  • No penalty APR.
- Cons
  • Balance transfer fee

PURCHASES

Intro
APR

0% Intro APR for 18 months
Ongoing
APR

Variable APR of 12.99%, 16.99% or 20.99%
See Rates & Fees
Penalty
APR

None
Minimum Grace
Period

25 days
Minimum Interest
Charge

$1.00

BALANCE TRANSFERS

Intro
APR

0% Intro APR for 18 months
Ongoing
APR

Variable APR of 12.99%, 16.99% or 20.99%
Balance Transfer
Fee

Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check
Penalty
APR

None
Minimum Grace
Period

See terms

CASH ADVANCE

Intro
APR

See terms
Ongoing
APR

26.99%
Cash Advance
Fee

Either $10 or 4%, whichever is greater, will apply on each cash advance transaction
Penalty
APR

None
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

None
Foreign Transaction
Fee

0%
Late Payment
Fee

Up to $37
Card Overall Rating
APPLY
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