Compare HSBC credit cards

HSBC offers a handful of strong rewards credit cards, all of which have no foreign transaction fees.

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HSBC

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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 12.74% to 20.74% 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.

  • Annual fee: None.
  • Signup bonus: 3% cash back.

    Enjoy an intro cashback rate of 3% on up to $10,000 in purchases for the first 12 months from account opening. After that you’ll earn 1.5% cash back on all purchases.

  • Intro APR: 0% on balance transfers and purchases for the first 12 months following your account opening.

    After that, your APR will be 14.74% to 24.74% variable. This is a strong intro APR.

  • Rewards: Earn 1.5% cash back on all purchases.
  • Anniversary bonus.

    Receive a 10% bonus on all cash rewards 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.

  • Signup bonus: 50,000 Rewards Program Bonus Points.
    To earn them, spend $4,000 in the first 3 months of card membership. They’re worth $750 in airfare when you redeem them through HSBC Rewards according to the provider website.
  • Rewards: More on travel and dining.
    Earn 3x points on eligible travel and 2x on dining. Earn 1x points on all other eligible purchases.
  • Air travel credit.
    Each year, receive $100 in credits for airline charges such as ticket purchases and seat upgrades.
  • TSA PreCheck credit.
    Receive an $85 credit for your TSA PreCheck application.
  • Rideshare credit.
    Each year, receive $100 in statement credits for rides with Lyft and Uber.
  • Membership to Mastercard® Airport Experiences by LoungeKey, which offers access to more than 850 airport lounges.
    You’ll receive two complimentary lounge visits each year and discounts of up to 15% at airport retailers.

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.

  • Annual fee: Waived for the first year, then $95 without a qualifying account.
    You can start earning rewards without paying an initial fee. If you have an HSBC Premier checking account you may be eligible for no annual fee after the first year, too.
  • Signup bonus: 35,000 Rewards Program Bonus Points.

    To earn them, spend $3,000 in the first 3 months of card membership. They’re worth $400 in air travel according to HSBC’s website at the time of writing.

  • Rewards: More on travel.

    Earn 2x points on travel and 1x points on all other eligible purchases.

  • TSA PreCheck credit.

    Receive an $85 credit for your TSA PreCheck application.

  • Rideshare credit.

    Each year, receive $50 in statement credits for rides with Lyft and Uber.

  • Booking discount.

    Receive 10% off your stay when you book through Expedia, Agoda or Onefinestay.

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.

Consider a card from another brand

Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms apply.
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Compare HSBC credit cards

Updated November 13th, 2019
Name Product Filter values Rewards Purchase APR Annual fee
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 14.74%, 18.74%, or 24.74% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. The information about the HSBC Cash Rewards Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
N/A
0% intro for the first 18 months (then 12.74%, 16.74% or 20.74% variable)
$0
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. The information about the HSBC Gold Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
1x points on all purchases after the first year rewards offer
0% intro for the first 12 months (then 14.74%, 18.74%, or 24.74% variable)
$0
Earn $10,000 points on all purchases made within your first 12 months of account opening, on up to $10,000, after that you'll earn 1x points on all purchases. The information about the HSBC Platinum Mastercard® with Rewards Credit Card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
After first year rewards offer, 2x points on dining and entertainment and 1x points on all other purchases
0% intro for the first 12 months (then 16.74% to 20.74% variable)
$0 intro annual fee for the first year ($45 thereafter)
Signup offer of 2x points in the first year on up to $25,000, then 2x points on dining and entertainment and 1x points on all other purchases. The information about the HSBC Advance Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
3x points on travel, 2x on dining and 1x on everything else
16.74% to 20.74% variable
$395
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 Premier World Elite 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

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.

Eligibility criteria

  • 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.

Can you prequalify for an HSBC credit card?

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:

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.

Bottom line

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.

Frequently asked questions

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