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HSBC Platinum MasterCard with Cash or Fly Rewards

APR's:
There is an introductory APR as low as 0.00% for 12 months. This intro rate applies towards both balance transfers and purchases. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 3.99% to the U.S. prime rate.

Rewards:
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. The recommendation made by the card issuer is broad, currently between 700-799.

Other Basics:
The grace period listed for the HSBC Platinum MasterCard with Cash or Fly Rewards is at least 20 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
This card has a poor approval or acceptance rate. Since this is a card for good credit, there may be a fairly strict standard for qualifications, including credit record and income level. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 700, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

• Earn 1 point for every dollar of net retail purchases, everywhere you shop.
  
• Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points
  
• Or redeem points for 1% cash back
  
• Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants*
  
• No annual fee, for qualifying applicants

*It is our goal to offer you the HSBC credit card that best fits your credit rating, which may or not be the card you originally inquired about. You may be offered an HSBC secured or unsecured MasterCard without a 0% Introductory APR or Rewards, and with different terms and conditions which will be disclosed to you before your application is processed.

*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying.

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

Options: View rates and fees for all cards.