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HSBC Elite Credit Card
HSBC Elite Credit Card
- 20.99% to 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% to 24.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The HSBC Elite Mastercard® credit card ups the ante on earning rewards and competes with other high-end travel cards such as the Chase Sapphire Reserve® and The Platinum Card® from American Express.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points per dollar spent on new travel purchases, 2X points on dining, and 1X point on everything else
- Points earning is unlimited and points do not expire; earn statement credits for Uber, Lyft, and TSA Prev® enrollment
- Earn 50,000 Rewards Program Bonus Points – worth $750 in airfare – when you spend $4,000 in the first 3 months of account opening using HSBC Rewards online to book
- Rewards Program Points are transferable with partner airlines; Complimentary ShopRunner membership
- Unlimited LoungeKey™ airport lounge access
- Regular Purchase APR: 20.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $395
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You travel often and/or make frequent use of car rental services
- You allocate most of your credit card expenses towards travel and dining
- You’re looking to add a hefty boost to your HSBC Rewards Program points balance
- You want a high-end credit card that doesn’t skimp on additional perks and statement credits for your annual purchases
- You can offset the card’s sizable annual fee
HSBC Premier World Mastercard® Credit Card
HSBC Premier World Mastercard® Credit Card
- 20.99% to 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% to 24.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The HSBC Premier World Mastercard® Credit Card is your ticket to traveling the world accompanied by a host of benefits one should expect from a travel rewards card. From its big introductory points offer to statement credits for travel expenses, it’s a well-rounded companion for your journeys.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2X points per dollar spent on travel purchases
- Earn 1X point per dollar spent on all other purchases
- Enjoy Uber and Lyft statement credits as well as a credit for TSA Prev®
- Earn 35,000 Rewards Program Bonus Points (worth at least $400 in air travel) after spending $3,000 in the first 3 months from account opening
- Regular Purchase APR: 20.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: None for qualified Premier clients. For all others, $95. $95 fee waived for first year
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You have or plan to sign up for an HSBS Premier checking account
- You travel often enough to take advantage of travel statement credits and discounts
- You’re looking for an upper-tier travel credit card with a suite of perks and coverage
- You want the flexibility to transfer earned points to another loyalty program
- You’re looking for a generous sign-up bonus
HSBC Cash Rewards Mastercard® Credit Card
HSBC Cash Rewards Mastercard® Credit Card
- 13.99% to 23.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.99% to 23.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Special introductory offer: Earn 3% cash back on all purchases made in the first 12 months from account opening, up to the first $10,000 in purchases
- Unlimited 1.5% cash back earning on all purchases
- 0% Intro APR on purchases and balance transfers for first 12 months account is open
- No annual fee and no foreign transaction fees
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within the first 60 days from account opening date
- Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- N/A
HSBC Gold Mastercard® Credit Card
HSBC Gold Mastercard® Credit Card
- 13.99% to 23.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 13.99% to 23.99% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 24.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 18 months from account opening Intro Purchase APR
At a Glance
The HSBC Gold Mastercard® credit card helps cardholders get their finances in order and offers some useful travel benefits. The 0% introductory APR on purchases and balance transfers come in handy when trying to purchase a big-ticket item or pay down an existing balance.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Take advantage of 0% introductory APR for the first 18 months as a cardmember
- If your payment is late, HSBC will waive the late fee once within a 12-month calendar year
- Extended Warranty and Purchase Assurance® means you can shop with confidence
- Price protection refunds the difference if you see an item advertised for less within 60 days of purchase.
- Intro Purchase APR: 0% for the first 18 months from account opening
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You want 0% APR on purchases and balance transfers for 18 months
- You don’t want to pay an annual fee
- You want a card to help you finance a big-ticket purchase
- You don’t want to pay foreign transaction fees
HSBC Cash Rewards Mastercard® Credit Card Student Account
HSBC Cash Rewards Mastercard® Credit Card Student Account
- 13.99% to 23.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.99% to 23.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fee
- Earn 1.5% cash back on purchases
- No credit history required to apply for this card
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the balance transfer amount, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the cash advance amount, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- N/A
HSBC Platinum Mastercard® with Rewards credit card
HSBC Platinum Mastercard® with Rewards credit card
- 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.49% variable based on the Prime Rate Cash Advance APR
- 0% for the first 12 months from account opening Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Special introductory offer: Earn 3x rewards points on all purchases made in the first 12 months from account opening, up to the first $10,000 in purchases
- Earn 1 Rewards Program Point for every dollar spent on all purchases
- Redeem accumulated rewards for merchandise or gift cards from thousands of retailers
- No annual or foreign transaction fees, 0% APR for 12 months on purchases and balance transfers
- Intro Purchase APR: 0% for the first 12 months from account opening
- Regular Purchase APR: 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months on transfers posted within the first 60 days of account opening
- Balance Transfer APR: 14.49%, 18.49%, or 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: 31.49% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- N/A
HSBC Advance Mastercard® Credit Card
HSBC Advance Mastercard® Credit Card
- 14.99% to 18.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 18.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 12 months from account opening Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% intro APR for the first 12 months on purchases and balance transfers
- Earn 2X points per dollar spent on dining and select entertainment purchases. Earn 1X point on all other purchases
- Redeem points for gift cards, merchandise, cash back, or even travel booking; No annual or foreign transaction fees
- Earn an introductory 3X points on dining and select entertainment purchases and 2X points on all other purchases for the first 12 months from account opening, up to the first $25,000 in purchases
- Intro Purchase APR: 0% for the first 12 months from account opening
- Regular Purchase APR: 14.99% to 18.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within the first 60 days from account opening date
- Balance Transfer APR: 14.99% to 18.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $0 during first year & for qualified Advance or Premier account clients; $45 for all others
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- N/A
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Features of HSBC Credit Cards
HSBC cards offer a selection of unique cardmember benefits. These include:
- ShopRunner: HSBC offers complimentary ShopRunner membership. This service entitles members to free two-day delivery from over 40 online retailers. Members also get free returns – with no limit to the number of orders or returns.
HSBC cards also offer a variety of protections specific to the type of Mastercard product on offer. These include a selection of:
- Travel accident insurances
- Auto rental collision damage waiver
- Zero fraud liability
- 24/7 customer assistance
World Elite Mastercard holders can expect the highest level of service and protection, while standard Mastercard holders receive more basic benefits and insurance. That said, the Mastercard protections are robust, regardless of their “class.”
HSBC Rewards Program Guide
Rewards points are always popular, so it’s no surprise that HSBC offers several rewards credit cards. While HSBC reserves the very best travel rewards cards for HSBC customers (the HSBC Advance Mastercard® Credit Card), there are still plenty of quality rewards cards for everyone from the bank.
How to Earn Rewards
Like other rewards programs, HSBC earns a single point on eligible purchases with participating HSBC credit cards. Additional points are earnable when making purchases in select categories. These include the 2X points on travel with the HSBC Premier World Mastercard® Credit Card or the 3X introductory points on all purchases with the HSBC Platinum Mastercard® with Rewards Credit Card. Rewards points are also obtainable through sign-up bonuses, exclusive offers, or other promotions.
Do Rewards Expire?
HSBC Rewards never expire if the account is in good standing. Good standing means that the account holder fully complies with the terms and conditions of their HSBC Rewards credit card, including being current with their payments. If, however, there is a 12-month period of inactivity on the credit card account, HSBC reserves the right to close the account.
How to Redeem HSBC Rewards
HSBC Rewards points apply to the usual award options. These include:
- Cash Back: Cash back rewards apply as statement credits to the HSBC credit card account. Cardholders also have the option of a direct deposit into a linked HSBC banking account.
- Gift Cards: Points also apply for gift cards from leading names in retail, including Amazon, Best Buy, Macy’s, TJ Maxx, and more.
- Merchandise: Use reward points to purchase merchandise from leading names like Apple, Alex, and Ani, Dyson, and more. Points can be used through the HSBC portal, as well as on Amazon (subject to change).
- Charity: Points are donatable to good causes, such as the American Red Cross.
- Travel: Points also apply to a considerable number of travel awards and credits:
- Airline, hotel, or rental car bookings through us.hsbc.com
- Experiences, such as Broadway show tickets, whale watching, tours, and more
- Book ground transportation for travel
- Use rewards to receive a statement credit for TSA Precheck or Global Entry application fees
With travel booking awards, there are no seat restrictions and no blackout dates. This lack of limitations is a great perk, not found with every other reward program.
Can You Pre-Qualify for HSBC Credit Cards?
HSBC currently does not offer online prequalification for potential applicants. Other major issuers, such as American Express and Capital One, do provide this service, so HSBC’s lack of prequalification access is frustrating.
Prequalifying for a credit card gives potential applicants a better understanding of their approval odds before applying. Prequalification’s conduct a “soft pull” on their credit report. Soft pulls provide necessary information about an applicant but don’t affect their credit score.
“Hard pulls,” on the other hand, pull the credit report of the applicant and have a direct impact on their credit score. While this impact dissipates after several months, it still reflects on their credit report for two years. Hard pulls occur when a person applies for credit, such as a credit card application.
What to Look for in an HSBC Credit Card
As with any other credit card, there are certain things to look out for with HSBC cards when applying. Here are a few things to pay attention to when trying to find your next HSBC credit card:
- Annual Fee: Does the card charge an annual fee? Rewards cards – particularly travel rewards cards – sometimes come with annual fees. Before applying for a card that charges a yearly fee, make sure you’ll get enough value from the perks, credits, and benefits to justify that cost.
- APR: Always check the variable purchase APR before applying. The better your credit score, the better the rate you can expect. Also, does the card provide a 0% intro APR period?
- Fees: Does the card charge a balance transfer fee? Are there fees for cash advances and overdrafts? Do you need to apply for cash advances?
- Rewards: What type of awards does it offer? Pay close attention to how you’ll earn reward points. Are there particular categories that earn additional points?
- Type of Mastercard: There are three classes of Mastercard – Mastercard, World Mastercard, and World Elite Mastercard. These types all offer different benefits and protections, with World Elie offering the most comprehensive perks.
Looking for the Best HSBC Credit Cards?
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