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HSBC Mastercard BusinessCard® Credit Card review

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The information about the HSBC Mastercard BusinessCard® Credit Card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.

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

  • 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.

2,500

Points as welcome offer

Up to 1x

Points

$0

Annual fee

0%

Intro Purchase APR

for the first 12 months (then 11.25% variable)

Details

Product NameHSBC Mastercard BusinessCard® Credit Card
Card typeMastercard
Annual fee$0
Purchase APR0% intro for the first 12 months (then 11.25% variable)
Balance transfer APRFrom 23.49% variable
Cash advance rate23.49% variable

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.

Consider this business rewards card

Universal Premium Mastercard®

  • Accepted at nearly 160,000 fueling locations throughout the United States
  • Choose the most convenient and cost saving sites for your business
  • Prevent unwanted non-fuel spending by limiting purchases only to the pump
  • Open cards to make purchases at over 400,000 maintenance locations
  • Save up to 6¢ per gallon with volume rebates on purchases within the Retail Savings network
  • Save up to 15% on fuel management costs
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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 October 21st, 2019
    Name Product Rewards Purchase APR Annual fee
    2% cash back on all purchases on up to $50,000 per calendar year, then 1%
    0% intro for the first 12 months (then 14.99% to 20.99% variable)
    $0
    Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
    2x points on everyday business purchases on up to $50,000 annually, then 1x points
    0% intro for the first 12 months (then 14.99% to 20.99% variable)
    $0
    Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
    3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
    17.99% to 22.99% variable
    $95
    100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
    3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
    29.24% variable
    Up to $120
    Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
    2x miles on Delta purchases and 1x miles on all other purchases
    17.49% to 26.49% variable
    $0 intro annual fee for the first year ($95 thereafter)
    Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct 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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