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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.

Updated

HSBC
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

HSBC Gold Mastercard® credit card logo
Credit recommended (700-850)
Read review
700
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
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 13.99% to 23.99% variable. This is a strong intro APR.
Annual Fee $0
Purchase APR 0% intro for the first 18 months (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 18 months (then 13.99% to 23.99% variable)
Welcome offer N/A
Rewards N/A

Best for cash back
HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card logo
Credit recommended (700-850)
Read review
700
Min. credit score
$0
Annual fee
Up to 3%
Cash back

Welcome offer
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 13.99% to 23.99% 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.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Welcome offer 3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
Rewards 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases

Best for premium travel
HSBC Elite Credit Card

HSBC Elite Credit Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$395
Annual fee
Up to 3x
Points
50,000
Points welcome offer
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&reg
  • 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.
Annual Fee $395
Purchase APR 14.99% to 18.99% variable
Balance transfer APR 14.99% to 18.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 3x points on travel, 2x on dining and 1x on everything else
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.

Best for mid-tier travel
HSBC Premier World Mastercard® credit card

HSBC Premier World Mastercard® credit card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$95 ongoing
Annual fee
Up to 2x
Points
35,000
Points welcome offer
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.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 14.99% to 18.99% variable
Balance transfer APR 14.99% to 18.99% variable
Welcome offer 35,000 points after spending $3,000 in the first 3 months
Rewards 2x points on travel and 1x points on all other purchases
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.

Best for dining and entertainment
HSBC Advance Mastercard® credit card

HSBC Advance Mastercard® credit card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$45 ongoing
Annual fee
Up to 3x
Points
$25,000
Points welcome offer
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.
Annual Fee $0 intro annual fee for the first year ($45 thereafter)
Purchase APR 0% intro for the first 12 months (then 14.99% to 18.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 14.99% to 18.99% variable)
Welcome offer 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
Rewards After first year rewards offer, 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.

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.

Compare HSBC credit cards

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
HSBC Cash Rewards Mastercard® credit card
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 13.99% to 23.99% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases.
HSBC Gold Mastercard® credit card
N/A
0% intro for the first 18 months (then 13.99% to 23.99% 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.
HSBC Advance Mastercard® credit card
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 14.99% to 18.99% 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.
HSBC Elite Credit Card
3x points on travel, 2x on dining and 1x on everything else
14.99% to 18.99% 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 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
2x points on travel and 1x points on all other purchases
14.99% to 18.99% variable
$0 intro annual fee for the first year ($95 thereafter)
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.
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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 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
  • Your Social Security number and date of birth
  • Your email address and phone number
  • Financial information like your annual income and income source

How many HSBC credit cards can I have?

You can have a maximum of three HSBC credit cards.

Can you prequalify for an HSBC credit card?

Types of HSBC cards

HSBC cashback credit cards

If you prefer straightforward rewards programs, HSBC got you covered. You’ll find one simple cashback card with two versions — a standard version and a student card version.

Typical benefits
  • Cash back. Earn unlimited cash back on every purchase you make.
  • Introductory offer. Instead of a signup bonus, the standard cashback card lets you earn twice the cash back up to a certain amount in your first year.
  • Intro APR period. The standard cashback card comes with a long intro APR period on balance transfers and purchases.
  • No annual fee. You typically won’t find an annual fee on HSBC’s cashback cards.
HSBC cashback credit cards
  • HSBC Cash Rewards Mastercard® credit card
  • HSBC Cash Rewards Mastercard® credit card Student Account

HSBC travel credit cards

HSBC has a slightly wider range of travel credit card options to choose from. If you don’t travel as often, you can start off with an entry-level card. But if you want to get all the premium perks and benefits, a high-end travel card awaits you.

Typical benefits
  • Rewards points. Earn rewards points on your purchases, which you can redeem for a variety of rewards including statement credit for travel purchases, TSA PreCheck or Global Entry fee credit and charity.
  • Introductory offer. All HSBC travel cards come with an introductory offer in one form or another. The more premium cards let you earn bonus points once you meet spend requirements, while the entry-level card lets you earn one extra point on select purchases during your first year.
  • No foreign transaction fees. No matter which travel card you choose, you won’t pay any foreign transaction fees on purchases made abroad or online at foreign merchants.
  • Travel perks. Depending on which card you choose, you can get travel perks like Uber and Lyft statement credit, TSA PreCheck application fee credit, airport lounge access, travel coverage and more.
HSBC travel credit cards
  • HSBC Advance Mastercard® credit card
  • HSBC Premier World Mastercard® credit card
  • HSBC Elite Credit Card

0% intro APR HSBC credit cards

You’ll find one HSBC card with a very long intro APR period, but with no rewards program. If you’re willing to settle for a shorter intro APR period, you can get a card with rewards in addition to the intro APR period.

Typical benefits
  • Intro APR period. The only card designed for this purpose comes with one of the longest intro APR periods on balance transfers and purchases.
  • No annual fee. You get to save money without paying an annual fee.
HSBC 0% intro APR credit cards
  • HSBC Gold Mastercard® credit card
  • HSBC Cash Rewards Mastercard® credit card
  • HSBC Advance Mastercard® credit card

Typical card features and benefits of HSBC cards

  • No annual fee for everyone or for preferred clients. HSBC’s cards are mostly split between no-annual-fee products for everyone and no-annual-fee products for Advance and Premier bank clients.
  • Rewards. All HSBC cards have rewards except for the HSBC Gold Mastercard® credit card.
  • No foreign transaction fees. All of HSBC’s cards have 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 cards come with HSBC complimentary travel insurance.

HSBC rewards program

HSBC reward cards offer 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.
  • Gift cards.
  • Merchandise.
  • Travel.

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 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.

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.

Full list of HSBC credit cards

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 an HSBC product is right for you, check out the best credit cards to compare more options.

Frequently asked questions

  • 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.
  • 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.
  • How do I set up automatic bill payments for my HSBC credit card?
    You can 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.
  • How do I get in touch with HSBC’s customer service team?
    You can call them at 800-975-4722 or send them a Tweet @HSBC_US.
  • 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.

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