HSBC ecosmart® MasterCard® with Plus Rewards
HSBC has actively taken steps to reducing their impact on the environment. Now with the HSBC ecosmart® MasterCard with Plus Rewards, you can too! We'll give you 1 point for every dollar you spend with your card, and you can choose to donate your earnings to environmentally friendly charities, or redeem them for eco-merchandise, cash back, flights, free stays at participating hotels, or gift cards.
- Enjoy a 0% Introductory APR on card purchases and balance transfers for 6 months, and NO annual fee.*
- Earn 1 point for every dollar you spend with your card, regardless of where you shop.^
- Donate your points to environmentally friendly charities, or redeem for eco-friendly merchandise
- Or redeem your points for 1% cash back, airfare, hotel stays, car rentals, merchandise, gift cards and more...
- 100% Fraud Liability Protection automatically.
- MasterCard's Platinum Benefits Package including:♦
- Purchase Assurance® Coverage protecting you from theft or damage on new purchases.
- Extended Warranty insurance doubles the manufacturer's warranty on new purchases.
- MasterCard Global Services® providing 24-hour assistance with lost or stolen card needs.
- Acceptance at millions of locations worldwide, including website purchases and reservations.
- Maintain your account online anytime of the day using our helpful Account Management Tools.
To learn more about our card selection process, click here.
| Introductory APR and Duration | Customary APR on Purchases | Customary APR on Balance Transfers | Default APR | Rewards |
|---|---|---|---|---|
| 0% for 6 months on purchases and balance transfers* | Variable 11.99% - 20.99% | Variable 11.99% - 20.99% | Variable 31.99% | Points |
It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, which may not include a 0% Introductory APR or 1 point for every dollar spent, and with different terms and conditions which will be disclosed to you before your application is processed.
^You will receive 1 point for each dollar charged in new, net retail purchases to this credit card. Cash, gift certificates, merchandise, charities, magazine subscriptions, experiential, environmentally-friendly charities, or travel rewards are redeemable at specific point levels. Upon approval, you will receive the Rewards Program Rules.
*Rates accurate as of October 15, 2009. Offer subject to credit approval. The Introductory APR does not apply to cash advances. After your Introductory APR, your variable Customary Purchase APR between 11.99% and 20.99% will apply, depending on your creditworthiness, for credit card purchases, balance transfers (if available) and cash advances made by credit card check. All your APRs may automatically increase to the variable Default APR if you fail to make a payment to us when due or you exceed your credit limit. The variable Default APR is 31.99%. The variable Cash APR for cash advances and overdrafts is 20.99%. A cash advance fee of 3% ($15 minimum) will apply to all cash advances, unless otherwise disclosed. A cash advance fee of 4% ($15 minimum) will apply to all balance transfers, unless otherwise disclosed. The Minimum Finance Charge is $1. The overdraft fee is 3% of the overdraft amount, or $5, whichever is greater, if applicable. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency. We apply payments to lower APR balances before higher APR balances.
Please note that we have the right to change your APRs, fees, and other terms at any time for any reason in accordance with the Cardmember Agreement and applicable law. See disclosures within the online application process.
♦Certain restrictions, limitations and exclusions apply, and benefits may not be available in every state. Coverage is underwritten and administered by companies not affiliated with MasterCard or HSBC Bank Nevada N.A. Full details about these programs will be provided if you become a cardmember.