HSBC Mastercard BusinessCard® Credit Card review | finder.com

HSBC Mastercard BusinessCard® Credit Card review

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HSBC Mastercard BusinessCard® Credit Card

A no-annual-fee credit card with an optional rewards program.

30-second take

  • Get this card if you are an existing HSBC customer looking for a business credit card.
  • Pick something else if you want to earn reward points on your purchases without fees.
  • Apply if your business is based in the US and has annual sales of up to $5 million.
Product NameHSBC Mastercard BusinessCard® Credit Card
Card TypeMastercard
Annual Fee$0
Standard Purchase APR11.25% variable
Intro Purchase APR0% for the first 12 months (then 11.25% variable)
Standard Balance Transfer APRFrom 23.49% variable
Intro Balance Transfer APR

N/A

Cash Advance Rate23.49% variable
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer2,500 bonus points upon enrollment in rewards program
Rewards1x points on all purchases with enrollment in rewards program
Base Rewards1x points

The basics

You may want to consider the HSBC Mastercard BusinessCard® Credit Card if your business already has accounts with HSBC. Not only does this card help simplify monitoring individual card statements for each employee, but it allows you to earn reward points on purchases if you enroll. Note that enrollment comes with additional fees that aren’t disclosed on the HSBC website.

Another business card with rewards

The Blue Business‎℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. Earn 2x Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms apply
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Card benefits

  • Intro APR period on purchases.
    Use your first 12 months of card membership to make purchases with a 0% intro APR. After that, your rate reverts to 11.25% variable.
  • Individual billing statements.
    To simplify credit card monitoring, you get individual statements for each card owner at the end of the billing cycle.
  • Optional rewards program.
    Enroll in the rewards program to earn 1x points on all purchases. You can also earn 2,500 bonus points when you sign up for the rewards program. However, enrollment comes with additional fees that aren’t disclosed on HSBC’s website.
  • No annual fee.
    Use the card and its perks without paying an annual fee.

What to watch out for

  • Credit card eligibility.
    To apply for the card, your business must be based in the US and your annual sales must be up to $5 Million.
  • Can’t apply online.
    You can only book an appointment.
  • Not transparent.
    You won’t find most of the card’s info on the HSBC website, including rewards program fees and other card fees.

How to apply for the HSBC Mastercard BusinessCard® Credit Card

  • Visit the HSBC website and book an appointment at a branch near you. You can also call, 833-722-4722 to book an appointment.
  • Compare business credit cards

    Updated June 19th, 2019
    Name Product Rewards Purchase APR Annual Fee
    N/A
    0% for the first 20 billing cycles (then 12.24% to 20.24% variable)
    $0
    Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
    5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
    0% for the first 15 months (then 14.49% to 21.49% variable)
    $0
    Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
    2x points on everyday business purchases on up to $50,000 annually, then 1x points
    0% for the first 12 months (then 15.49% to 21.49% variable)
    $0
    Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
    12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
    17.99% to 26.99% variable
    $95
    Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
    2x miles on Delta purchases and 1x miles on all other purchases
    0% for the first 6 months (then 17.99% to 26.99% variable)
    $0 intro annual fee for the first year ($95 thereafter)
    Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees

    Compare up to 4 providers

    Bottom line

    Existing HSBC customers who want to get a business credit card may find the HSBC Mastercard BusinessCard® Credit Card useful. It lets you simplify your employee card monitoring and you get a long intro APR on purchases. You can also enroll in the optional reward program to earn points on your purchases, but you’ll have to pay a fee for it.

    There could be a better card for you, so make sure you compare business credit card options before applying.

    Frequently asked questions

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