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HSBC credit cards: Which one is best for you?

Compare rewards cards, read unbiased reviews of each card, and find the best card.

Compare HSBC cards

Use our table to compare HSBC credit cards. Click "Show filters" to narrow your options to view products that fit your credit score range and have features that will most benefit your financial needs.

1 - 3 of 6
Name Product Filter values Rewards Annual fee Purchase APR
HSBC Gold Mastercard® credit card
HSBC Gold Mastercard® credit card
0% intro for the first 18 months (then 13.99% to 23.99% variable)
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card.
HSBC Elite Credit Card
HSBC Elite Credit Card
3x points on travel, 2x on dining and 1x on everything else
17.24% to 21.24% variable
Earn 50,000 bonus points worth $750 in airfare when booked online through HSBC Rewards, after spending $4,000 in the first 3 months of account opening. The information about the HSBC Elite Credit Card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
HSBC Premier World Mastercard® credit card
HSBC Premier World Mastercard® credit card
2x points on travel and 1x points on all other purchases
17.24% to 21.24% variable
Earn 35,000 Rewards Program bonus points, worth at least $400 in air travel, after spending $3,000 or more on purchases in the first 3 months from account opening. The information about the HSBC Premier World Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.

Compare up to 4 providers

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.

You’ll find 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 which are the best in certain categories.

Compare HSBC credit cards

Compare all HSBC credit cards in terms of rewards, annual fee and interest rates. You can read the full review or apply for the card if you really like what you see.

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.

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 Elite 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.

Apply for an HSBC card online

If you’d like to apply for an HSBC card, visit the HSBC website and choose Apply now. You can also get in touch with HSBC’s customer service by calling 800-975-4722 or sending them a Tweet @HSBC_US. Note that you can have a maximum of three HSBC credit cards.

Eligibility criteria

  • You must be 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.
  • Social Security number and date of birth.
  • Email address and phone number.
  • Financial information like your annual income and income source.

Can you prequalify for an HSBC credit card?

Standout benefits of HSBC cards

  • Rewards. All HSBC cards have rewards except for the HSBC Gold Mastercard® credit card. Depending on the card, you can either earn cash back or points.
  • Balance transfers. With many card providers veering away from balance transfers, you can get one of the longest 0% intro APR period with an HSBC balance transfer card.
  • No foreign transaction fees. All HSBC cards have no foreign transaction fees. This makes the cards a great option for using abroad or online with foreign merchants.
  • Cell phone protection. Almost all HSBC credit cards come with a cell phone protection. All you have to do is pay your monthly cell phone bill with your HSBC credit card and depending on the card, you can get either $600 or $800 coverage per claim with certain limitations.

HSBC rewards program

HSBC reward cards offer cash back in the form of Cash Rewards or points. Redeem your Cash Rewards or points for benefits including:

  • Cash back in the form of credit.
  • Gift cards.
  • Merchandise.
  • Travel.

HSBC points are worth 1 cent each

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 Elite 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. To redeem rewards, log in to your credit card account on the HSBC website. Check your rewards balance and redeem cash back or points.

Full list of HSBC credit cards


Calling is the best way to cancel your HSBC card

HSBC doesn’t offer a clear cut way to cancel your credit card account online. Your best bet is to call 888-385-8916 to reach HSBC’s credit card support line and start your cancellation process there.

You asked, we listened: your top 5 HSBC questions answered

  1. How does HSBC keep my credit card information secure?
    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.
  2. How does HSBC keep me protected from fraud?
    HSBC uses a combination of chip technology, 24-hour account monitoring, fraud alerts and a zero liability policy for unauthorized transactions to keep your account safe.
  3. Can I transfer funds from my HSBC credit card to my bank account?
    No. The Quick Transfer is designed to transfer funds between checking and savings accounts only.
  4. How do I set up automatic bill payments for my HSBC credit card?
    Set up your automatic payments on the HSBC site. Choose the account you want to attach for payments, the date you’d like the transaction sent and how often you’d like to make payments.
  5. How do I get a US HSBC Premier checking account?
    This account requires a minimum balance of $100,000 in combined investment balances and US-dollar personal deposit accounts.

Bottom line

HSBC offers strong low intro APR, cashback and travel cards. Most cards also offer rewards, signup bonuses and no foreign transaction fees.

But if you want to earn a higher cashback rate on select purchases or maximize travel rewards, consider some of the best cards for cash back or the best travel cards.

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