Can you prequalify for HSBC credit cards?

There’s no prequalification tool, but you may get a preapproval letter.

With prequalification, you can check for credit cards that fit your credit profile. While HSBC doesn’t offer this option, you can increase your chances of getting a preapproval letter by maintaining good credit.

Our pick for applicants with good to excellent credit

HSBC Cash Rewards Mastercard® credit card

• Earn unlimited 1.5% cash rewards on all purchases.
• Earn an Introductory 3% cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases
• 10% anniversary bonus on all cash rewards earned once a year.
• No annual fee.
• 0% intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
• No foreign transaction fees.
• $0 liability for unauthorized purchases.
• Terms apply.
• See rates & fees

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Compare HSBC credit cards

HSBC products often include rewards, intro APRs and signup bonuses, so the provider prefers customers with a good to excellent credit score of 670 and above.

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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	15.24%, 19.24% or 25.24% variable	$0	Apply now View details	Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.	Compare	loading Fetching your data...
HSBC Gold Mastercard® credit card			N/A	14.24%, 20.24% or 25.24% variable	$0	Apply now View details	An 15 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees	Compare	loading Fetching your data...
HSBC Platinum Mastercard® with Rewards Credit Card			3x points on all purchases made within your first 12 months of account opening, on up to $10,000, then 1x points after that	15.24%, 19.24%, or 25.24% variable	$0	View details	Earn 3x 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.	Compare	loading Fetching your data...
HSBC Advance Mastercard® credit card				17.24% to 21.24% variable	$0 intro annual fee for the first year ($45 thereafter)	View details	Earn 25,000 Rewards Program Bonus Points, worth $250 in gift cards, after spending $1,500 or more in the first 3 months from account opening.	Compare	loading Fetching your data...
HSBC Premier World Elite Mastercard® credit card			3x points on travel, 2x on dining and 1x on everything else	17.24% to 21.24% variable	$395	View details	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.	Compare	loading Fetching your data...
HSBC Premier World Mastercard® credit card			2x points on travel and 1x points on all other purchases	17.24% to 21.24% variable	$0 intro annual fee for the first year ($95 thereafter)	View details	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.	Compare	loading Fetching your data...

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What does prequalification mean?

When you’re prequalified, a provider runs a soft pull on your credit and believes you could be approved for certain cards. By some estimates, you have around an 80% to 90% chance of approval after prequalification.

Even after getting prequalified, you still need to submit an application. At that point, the provider runs a hard pull on your credit. You may be denied if your credit profile is insufficient.

What are the benefits of an HSBC prequalification?

• Your credit score won’t be affected. You can keep your score intact for when you finally submit an application.
• Better chances of approval. Prequalification is a good idea because the provider presents cards that fit your credit profile.
• No obligation. Submitting a prequalification form isn’t a contract to apply. You can still look for credit cards elsewhere.

How do I get prequalified for an HSBC credit card?

Unfortunately, HSBC doesn’t allow prequalification at this time.

The bank does send card offers to preapproved individuals. You can’t request these offers, but you can increase your chances of receiving them. Banks look for consumers with high credit scores and incomes that consistently pay their debts.

Bottom line

If you want to get prequalified for a card, consider other providers such as Citi, American Express, Capital One and Discover.

Frequently asked questions

• What credit cards does HSBC offer?

  Currently, HSBC offers six credit cards, including cashback and travel products.

  You’ll find no-annual-fee options as well as a high-end travel card, the HSBC Premier World Elite Mastercard® credit card.

• Do HSBC credit cards have signup bonuses?

  Most do. However, you won’t find one with the HSBC Gold Mastercard® credit card. Its main benefit is a 0% intro APR for 15 months on purchases and balance transfers, after that, 14.24%, 20.24% or 25.24% variable.

• Do HSBC credit cards offer rewards?

  Most do, with the exception of the HSBC Gold Mastercard® credit card.