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Compare HSBC credit cards
HSBC offers a handful of strong rewards credit cards, all of which have no foreign transaction fees.
HSBC is a British bank, but it’s one of the top 15 largest financial institutions in the United States. Its credit cards hold their own against products from Citi, Bank of America and other major providers.
Best HSBC credit cards
HSBC offers a handful of US cards, most of which have signup bonuses, rewards and no foreign transaction fees.
Best for intro APR: HSBC Gold Mastercard® credit card
This card offers a straightforward main perk: an excellent intro APR on purchases and balance transfers. It’s HSBC’s answer to the top-notch Citi Simplicity® Card.
- Annual fee: None.
- Intro APR: 0% on purchases and balance transfers for 18 months following your account opening.
After that, your purchase and balance transfer APR will be 12.49% to 20.49% variable. This is a strong intro APR.
Best for cash back: HSBC Cash Rewards Mastercard® credit card
A great no-annual-fee cashback card. You’ll enjoy earning cash back on all purchases, and the card offers an intro APR on purchases balance transfers. Additionally, you’ll receive a bonus on all cash back you earn each year.
Best for premium travel: HSBC Premier World Elite Mastercard® credit card
HSBC’s premium travel product includes credits for air travel, Lyft and Uber rides and a TSA PreCheck application. You’ll receive accelerated rewards for travel and dining. And the card will get you into over 850 lounges around the world.
Best for mid-tier travel: HSBC Premier World Mastercard® credit card
If you’re a frequent traveler but don’t want to pay for a premium travel card, the HSBC Premier World Mastercard® credit card might be the right fit. You’ll earn 2x points on travel purchases, which is on par with the Chase Sapphire Preferred® Card‘s travel rewards. You’ll also receive credits for TSA PreCheck and Uber and Lyft rides.
Best for dining and entertainment: HSBC Advance Mastercard® credit card
You could earn significant points with this card if you’re a social butterfly. That’s because it offers higher points on dining and select entertainment. Redeem your points for rewards like gift cards, cash back, merchandise and travel.
- Annual fee: Waived for the first year, then $45 if you don’t have a qualifying account.
You can start earning rewards without paying an initial fee. You might be eligible for no annual fee after the first year, too, if you have a qualifying HSBC checking account.
- Signup bonus: 25,000 Rewards Program Bonus Points.
To earn them, spend $1,500 in the first 3 months of card membership. They’re worth $250 in gift cards according to the provider website at the time of writing.
- Rewards: 2x points on dining and select entertainment.
On all other purchases, earn 1x points.
Quick look at HSBC credit cards
- HSBC Gold Mastercard® credit card: Best for intro APR
- HSBC Cash Rewards Mastercard® credit card: Best for cash back
- HSBC Premier World Elite Mastercard® credit card: Best for premium travel
- HSBC Premier World Mastercard® credit card: Best for mid-tier travel
- HSBC Advance Mastercard® credit card: Best for dining and entertainment
How we picked our best cards
HSBC offers six credit cards, one of which is the student version of the HSBC Cash Rewards Mastercard® credit card. We examined the cards’ benefits and classified them best in certain categories.
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Compare HSBC credit cards
Full list of HSBC credit cards
How to apply for a HSBC card
If you’d like to apply for an HSBC card, visit the HSBC website and click Apply now.
- You’re at least 18 years old.
Information you’ll need
To complete the application, you’ll need to provide information that includes:
- Your name and residential address.
- Your Social Security number and date of birth.
- Your email address and phone number.
- Financial information like your annual income and income source.
HSBC rewards program
HSBC reward cards offer either cash back — in the form of Cash Rewards — or points.
You can redeem your Cash Rewards or points for benefits including:
- Cash back in the form of credit to your HSBC Cash Rewards Mastercard® credit card.
- Gift cards.
How can you redeem rewards?
To redeem rewards, log in to your credit card account on the HSBC website. You can check your rewards balance and redeem cash back or points.
How much are rewards worth?
HSBC points are worth the industry-standard of one cent apiece. They may be worth more if you redeem them through HSBC Rewards. For example, with the HSBC Premier World Elite Mastercard® credit card, your 50,000-point signup bonus is worth $750 when you use it to book airfare through HSBC Rewards. That means it’s worth 50% more than it normally would be.
Typical card features and benefits of a HSBC card
- No annual fee or first-year fee waived. HSBC’s cards are mostly split between no-annual-fee products and cards that waive your first year’s annual fee. For the latter, you’ll pay an annual fee starting the second year if you don’t have a qualifying US HSBC Premier checking account.
- Rewards. All HSBC cards have rewards except for the HSBC Gold Mastercard® credit card.
- No foreign transaction fees. All HSBC’s cards come with no foreign transaction fees.
- Signup bonus. Every HSBC card has a signup bonus except the HSBC Gold Mastercard® credit card.
- Penalty APR. For most of its cards, HSBC may apply a penalty APR to all balances if you make a late payment.
- Travel insurance. Several HSBC cards offer complimentary travel insurance, including accident insurance.
How does HSBC keep my credit card information secure?
HSBC guarantees you’ll never be liable for unauthorized transactions. If you report fraudulent activity on your account, HSBC may start blocking certain transactions more aggressively. It may also temporarily suspend or close your account. If HSBC closes your account, it will give you a new account number.
When you log in to your HSBC account, the bank will encrypt the data you transmit. With encryption software, your information is scrambled so third parties can’t read it.
HSBC uses network firewalls to prevent unauthorized users from accessing its private network. Additionally, it uses digital certificates so you can confirm you’re accessing the legitimate HSBC website.
HSBC offers strong low intro APR, cashback and travel cards. Most cards also offer rewards, signup bonuses and no foreign transaction fees.
If you’re not sure whether a HSBC product is right for you, check out other credit card providers to compare more options.