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HSBC Mastercard BusinessCard® Credit Card review

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.
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25,000

Points as welcome offer

Up to 1x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 12 months (then to variable)

Details

Annual fee$0
Welcome Offer25,000 points after enrollment in rewards program
Rewards1x points on all purchases with enrollment in rewards program
Purchase APR0% intro for the first 12 months (then from 8.99% variable)
Balance transfer APRFrom 21.24% variable
IssuerMastercard
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

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.

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.

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 8.99% 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 25,000 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.

    Compare business credit cards

    Name Product Rewards Purchase APR Annual fee
    Ink Business Unlimited℠ Credit Card
    1.5% cash back on all purchases
    0% intro for the first 12 months (then 13.24% to 19.24% variable)
    $0
    $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
    Ink Business Preferred® Credit Card
    3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
    15.99% to 20.99% variable
    $95
    100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
    Brex 30 Card
    8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
    N/A
    $0
    The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
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    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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