The Top 3 HSBC Bank Credit Cards

By Eric Wasselman

Issued by the HSBC Bank in Nevada, HSBC credit cards are valued because of their low APR which means a lot to customers who generally carry a balance on their credit cards monthly.

The top HSBC Bank credit cards based on APR (Annual Percentage Rate) were:

• HSBC MasterCard with Cash or Fly Rewards

• HSBC Platinum MasterCard

• HSBC MasterCard with Cash Back Rewards

HSBC MasterCard with Cash or Fly Rewards

This card has an attractive 0 APR introductory rate that runs for twelve months. The regular APR is normally 11.49%. The card also facilitates balance transfers at zero percent for one year as well. After the first twelve months there is a three percent fee for balance transfer to a maximum of Seventy-five Dollars. Customers earn one percent on every purchase they make using this card, with rewards available as cash back. Added benefits include a twenty day grace period.

There are no annual fees, although fees are charged for overlimit spending and late payments.

HSBC Platinum MasterCard

This platinum MasterCard also has a 0 APR introductory rate for twelve months. There is also zero percent on balance transfer for one year. Other fees include overlimit charges, cash advance fees and late fees. There is also free online bill payment.

HSBC MasterCard with Cash Back Rewards

Offering either cash back or travel rewards this low APR card is one of HSBC’s most popular. New customers get an introductory 0 APR and balance transfers for twelve months. The normal APR is 11.49 percent.

After the introductory zero percent on transfer balances, a three percent charge will be applied. There are no annual fees for using this MasterCard.

Card holders have a twenty grace period on charges before most fees become payable.

To apply for these and other HSBC Bank credit cards, Eric Wasselman recommends Find Credit Cards.

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HSBC Gold Credit Card

By Shan Madiha

The Orchard Bank Gold Master Card®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.

While the card can help you re-establish credit, it’s important to note that cardholders pay fees for the opportunity. In most cases, people who apply for the Orchard Bank Gold Master Card aren’t going to be approved for a better credit card without having to make a security deposit, so the fees are a small price to pay for the ability to repair your credit. Fees include an annual fee and an application fee to open the account.

Although the card can help those with a limited credit history, it does have several costly factors that should be considered before applying.

Orchard Bank Gold Master Card will report to each of the major credit bureaus so it’s important to make your payments on time every month as this is what will repair your credit over time. You will benefit most from paying your balance off in full each month, as it results in lower fees, however the Orchard Bank Gold card allows you to carry a balance from one month to the next if you should need to.

The interest rate is average for this type of card. There is an annual fee of $79, which is about average for this type of credit card. There is also an application fee of $9. In total, the card holder can expect to pay $88 in the first year.

This card also offers common card holder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.

* Enjoy the Prestige of a Gold Master Card®

* Receive Gold Card Privileges and Benefits

* Reports to All 3 Credit Bureaus Monthly

* Free Online 24-Hour Account Access and Bill Pay

* Periodic Credit Limit Increases.

Syed writes for Small Business Credit Cards a directory of business credit cards from top issuers such as American Express, MasterCard, Visa, Advanta, Chase and CitiBusiness

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HSBC Credit Cards - I Love These!

By Steve Shell

HSBC Credit Cards are issued through HSBC Bank, one of the growing and leading banks in the banking sector. These cards rank among the most powerful cards offered due to their global accessibility for the customer with branches located all over the world.

They are the 3rd largest issuer of private-label credit cards in America. The offering includes cards from over seventy (70) active merchant relationships. Some of these relationships include well known names such as Best Buy, Gottschalks, Neiman Marcus, Costco and Saks Fifth Avenue. No matter what type of credit plan you are looking for you can be sure there is a card that matches your needs. HSBC offers a wide variety of benefits to people with all kinds. Let's weigh your credit score and see what HSBC has to offer you.

Poor Credit: HSBC offers several cards for those with poor credit. These cards carry low annual fees and are secured. Secured ones allow you to deposit money on your card and then spend against it. This is a great way to rebuild your score!

Average (or limited) Credit - These cards can help you build credit if you have little or no history available. These cards do not require a deposit (as shown above) and offer benefits such as purchase protection, lost and stolen card reporting, and no liability.

Good Credit: If you have a stellar career you will have no problem finding HSBC credit cards that provide you tons of benefits. HSBC rewards customers who have kept their history clean and pure. These cards offer 0% interest rates, cash back rewards and other great added benefits. To find the cards that are right for you it is recommended that you do as much comparison shopping as possible before making your decision. There are websites online that allow you to look at cards side by side to see exactly which one is right for you.

Being informed will keep you from signing up for a card you don't want or don't understand which could cause major problems down the road. Start comparing today and good luck in your search for HSBC credit cards!

This article has been provided by Creditor Link. Creditor Link offers Refreshingly Honest Credit Card Advice to our readers. We offer a simple search and compare utility that allows you to easily find the Credit Cards you are looking for.

Visit them online at http://creditorlink.com. Enjoy your day!

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An HSBC Credit Card For Every Need

By Morgan Hamilton

Whether you want the zero percent APR credit card with platinum benefits, the one with cash back or travel rewards, the one with car purchase rebates or the one with the ability to establish new credit; there is an HSBC credit card for you. In the American banking landscape, HSBC is a relatively new name but it is one of the largest financial organizations in the world. HSBC stands for the Hong Kong and Shanghai Banking Corporation and it has banking operations in Europe, Asia and North America.

HSBC recently purchased Household Bank which is the leading issuer of consumer credit. After this acquisition, HSBC got a firm foothold on the U.S. credit card market. Through their headquarters in London, HSBC provides a variety of credit card services for consumers throughout the world. You can easily apply for an HSBC credit card by visiting their website online.

The GM Card The biggest part of this acquisition for HSBC was the GM Flexible Earnings Card. This was one of the first and largest co-branded reward credit cards that started the new approach to earning a reward currency for just using your credit card. Now many such programs can be found in the credit card marketplace and many are offered in partnership with nearly every brand of automobile. However, the GM Card remains a consumer favorite.

Other Options Other HSBC credit card options include two very competitive reward programs. The first of these is the HSBC Platinum Master Card with Cash Back which gives a full one percent cash back on all your purchases. The other is the HSBC Platinum Master Card with Cash or Fly Rewards Card which gives you either cash back or travel rewards for free flights on any U.S. airline.

One last HSBC credit card that you should consider is the Orchard Bank Platinum Master Card. This card is designed specifically for those who don't have a credit history and need to build their credit rating. The card can also work for those who have bad credit or a less than perfect credit rating. For those with bankruptcy on their record, this credit card can give a needed lifeline to start a new financial standing with lenders and credit rating agencies.

After considering just four of the main HSBC credit card offers it is easy to see why HSBC continues to be a big player in the credit card industry. HSBC carefully studies the credit card market in order to understand the needs of various consumer segments so that they can provide credit cards to matches everyone's needs. You can visit HSBC online to learn about every type of HSBC credit card they offer, you are sure to find one that matches your specific needs.

Morgan Hamilton is an experienced Financial Adviser who has written a number of informative articles on the topic of HSBC Credit Card Visit BestCreditQuote.com to learn more about HSBC Credit Card Offers

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