HSBC Advance MasterCard® Credit Card
HSBC Advance MasterCard® Credit Card
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Our Take
The HSBC Advance MasterCard® Credit Card is a solid travel card for people who like to dine out and spend on entertainment.
Total Rewards
2X points on dining and entertainment
Bonus Amount
3X points on dining and entertainment and 2X on everything else
Annual Fee
$0
Apr
0% for 12 months, 17.24% to 21.24% variable APR.
Fees
$0 annual fee. No foreign transaction fees. Balance transfer fee of 3% or $10, whichever is greater.
Summary
The HSBC Advance MasterCard® Credit Card is a category-based rewards card for people who enjoy entertainment and dining out.
When you sign up for the card, you can immediately take advantage of a 0% APR deal, as the card has an APR of 0% for 12 months, 17.24% to 21.24%. You'll also be able to rack up even more bonus points for the first year, with a sign-up bonus of 3X points on dining and entertainment and 2X on everything else on the first $25,000 you spend. After that, you'll earn 2 points per dollar on entertainment and dining, and 1 point per dollar on everything else.
You can redeem your points for travel, gift cards, movie tickets, and merchandise.
The HSBC Advance MasterCard® Credit Card also offers other valuable perks, such as extended warranty coverage and no foreign transaction fees. It's a solid mid-tier rewards card, given its $0 annual fee and ongoing bonus categories. But unless you're partial to HSBC, you can find better rewards cards.
Required Credit Score
Excellent 720
Pros
- Boosted rewards for first year
- No foreign transaction fee
- 0% intro APR
- Price protection
Cons
- Open only to HSBC Advance or Premier Checking customers
- High balance transfer fee
- Low ongoing rewards rates
- Requires excellent credit
Earn, Redeem, and Optimize Your Rewards
Entertainment
2 Points
Restaurants/Dining
2 Points
Other
1 Points
Earn
Earn 2X points per dollar on dining and entertainment. Earn 1X point per dollar on all other purchases.
Redeem
- Cash Back
- Gift Cards
- Book Travel
Optimize
Use the HSBC Advance MasterCard® Credit Card for all your dining and entertainment purchases—especially during the first year. The card comes with a sign-up bonus of 3X points on dining and entertainment and 2X on everything else on the first $25,000 you spend. After $25,000, or your first year, you'll go back to the standard rates of 2X points on dining and entertainment, and 1X point on everything else.
Benefits
Boosted bonus rates
During the first year, you'll earn 3X points on dining and entertainment and 2X on everything else on the first $25,000 you spend on the card.
0% intro APR
The HSBC Advance Mastercard® Credit Card comes with a friendly APR of 0% for 12 months, 17.24% to 21.24%. That's great for balance transfers or for financing a large purchase.
Extended warranty
When you pay with your card, get up to 2 years of extended manufacturer's warranties.
Price protection
Get reimbursed for the difference if you find something you purchased at a lower price within 120 days of purchase.
Additional Benefits
- Theft and damage coverage
- Rental car coverage
- No foreign transaction fee
- Travel accident insurance