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HSBC Platinum MasterCard® with Rewards Review

HSBC Platinum MasterCard® with Rewards details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
APR:
12 months
Balance Transfer Fee:
4% ($10 min. )
Annual Fee:
None
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.74 - 19.74
 9.74 - 19.74
 21.74
APR:
  12.99% - 22.99% Variable
 12.99% - 22.99% Variable
 24.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 12 months
 12 months
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 29.99% Variable
Default/Penalty Margin:
 26.74
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 Your APRs may increase to the Penalty APR if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 None
Late Fee:
 N/A
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
4% ($10 min. )  


Notes:

Rebate Description:
 Redeem Points for 1% cash back or choose between hundreds of redemption options including popular gift cards, merchandise or flights on most major airlines.
Special Notes:
 0% Introductory APR on credit card purchases and balance transfers for 12 months from Account opening; after that, a variable APR of 12.99%, 16.99% or 22.99% will apply, based on your creditworthiness. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply to the overdraft amount, if applicable. There is no Annual Fee nor Foreign Transaction Fee. Penalty APR: 29.99% (variable); if your APRs are increased for the stated reason, the Penalty APR may apply indefinitely.
Credit Card More Information:

Card Issued By:
 HSBC Bank
General Correspondence Address:
 One HSBC Center
Card Type:
 MasterCard
Card Class:
 Platinum
Card Category:
 Miles/Points, Low Intro Rate, Balance Transfer, Cash Back, Reward
States Available In:
 CA, CT, DC, DE, FL, MD, NJ, NY, PA, VA, WA
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Alexi ( Jul 25, 2013 at 5:28 am)

    The APR is ridiculous. They were not willing to work with me to lower it either.


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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Credit Needed:
Excellent
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Credit Needed:
Excellent/Good