Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

HSBC credit cards: Which one is best for you?

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

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.

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.
loading

Compare up to 4 providers

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
Estimated welcome offer value
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%
Estimated welcome offer value
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
Estimated welcome offer value $750 based on Finder's valuation
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
Estimated welcome offer value
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
Estimated welcome offer value
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 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 can also get in touch with HSBC’s customer service by calling 800-975-4722 or sending them a Tweet @HSBC_US.

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 offers fewer credit cards than the major card issuers, but it covers most credit card types. Its flagship card is a high-end travel card that tries to compete with the likes of Chase Sapphire Reserve and the Amex Platinum Card, but in some aspects it may fall short.

On the downside, there’s no card for those with poor credit score.

  • HSBC cashback credit cards
  • HSBC travel credit cards
  • 0% intro APR HSBC credit cards

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 denepnding 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.

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.

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.

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

Frequently asked questions

  • 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.
  • 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 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.

More guides on Finder

Go to site