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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 to variable)

Details

Product NameHSBC Mastercard BusinessCard® Credit Card
Card typeMastercard
Annual fee$0
Purchase APR0% intro for the first 12 months (then from 10.74% variable)
Balance transfer APRFrom 22.99% variable
Cash advance rate22.99% variable

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards 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.

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 from date of account opening, then a variable rate, 14.74%-20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No annual fee
  • Terms apply
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See Rates & Fees

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 10.74% 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 February 17th, 2020
    Name Product Rewards Purchase APR Annual fee
    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
    17.49% to 22.49% variable
    $95
    80,000 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®
    American Express® Blue Business Cash Card
    2% cash back on all purchases on up to $50,000 per calendar year, then 1%
    0% intro for the first 12 months (then 14.74% to 20.74% variable)
    $0
    Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
    The Business Platinum® Card from American Express
    5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
    N/A
    $595
    Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
    The Blue Business® Plus Credit Card from American Express
    2x points on everyday business purchases on up to $50,000 annually, then 1x points
    0% intro for the first 12 months (then 14.74% to 20.74% variable)
    $0
    Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
    American Express® Business Gold Card
    4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
    15.74% to 23.74% variable
    $295
    Earn 35,000 points after spending $5,000 in the first 3 months from account opening. 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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