Credit card comparison - Which Credit Card is best for me? | HSBC

 

 

HSBC Premier World MasterCard® credit card1

HSBC Advance MasterCard® credit card5

HSBC Platinum MasterCard® with Rewards credit card

HSBC Platinum MasterCard® credit card

 
Key details        
 
For those who need:

A card for HSBC Premier clients with a rich Rewards Program including a variety of travel benefits tailored to the needs of the discerning traveler2.

A card with a Rewards Program earning two Points per dollar spent on new, net dining and entertainment card purchases and one Point per dollar spent on all other new, net card purchases. Earn unlimited Points with no earnings cap or Point expirations and enjoy gift cards, cash back and other dining and entertainment themed rewards.

A card with a Rewards Program earning Points on every new, net card purchase. Earn unlimited Points with no earnings cap or Point expirations and enjoy the flexibility to choose cash back, gift cards, merchandise or travel rewards.

A card with a competitive APR on both purchases and balance transfers.

 
Introductory Offers

New Premier World MasterCard customers will earn 25,000 Bonus Rewards Program Points3 after spending $1,500 or more in new, net card purchases in the first three months from Account opening. And after that, earn 1 Point for every new, net dollar in credit card purchases, with no Points expiration or earnings cap.

For a limited time new Advance MasterCard customers will earn 20,000 Bonus Rewards Program Points6 after spending $1,500 or more in new, net card purchases in the first three months from Account opening.

0% Introductory APR on credit card purchases and balance transfers for 6 months from Account opening ("Introductory Period").

New Platinum MasterCard with Rewards customers will earn a $100 bonus7 after spending $500 or more in new, net card purchases in the first three months from Account opening.

0% Introductory APR on credit card purchases and balance transfers for 12 months from Account opening ("Introductory Period").

0% Introductory APR on credit card purchases and balance transfers for 18 months from Account opening ("Introductory Period").

 
APR

12.99% APR on purchases and balance transfers.

After Introductory Period, a variable APR of 12.99% or 16.99% will apply.

After Introductory Period, a variable APR of 12.99%, 16.99% or 22.99% will apply.

After Introductory Period, a variable APR of 12.99%, 16.99% or 22.99% will apply.

 
Annual Fee

None

None

None

None

 
Pricing & Terms

View Summary of Terms

View Summary of Terms

View Summary of Terms

View Summary of Terms

Exclusive Rewards

Discover the possibilities of HSBC Premier Rewards. Earn unlimited Premier Rewards Program Points and redeem them for Airline Travel with no blackout dates or seat restrictions, Rewards for Miles, Cash Back, Merchandise and Gift Cards and Charitable Donations.

Choose from hundreds of dining and entertainment themed rewards options. Earn unlimited Rewards Points that never expire. Redeem Rewards Points for gift cards, merchandise, flights on most major airlines or cash back.

Earn unlimited Rewards Points that never expire. Choose to redeem for cash back, popular gift cards, merchandise or flights on most major airlines.

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Security Chip and PayPassTM Enabled

Yes


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Yes


View Details

Yes


View Details

Yes


View Details
 
Foreign Transaction Fees

No foreign transaction fees on card purchases made in a foreign country.

No foreign transaction fees on card purchases made in a foreign country.

No foreign transaction fees on card purchases made in a foreign country.

No foreign transaction fees on card purchases made in a foreign country.

 
Eligibility

Exclusively for HSBC Premier clients1. Existing HSBC Premier client? Apply Now

To learn more call customer service at 888.662.4722.

Designed specifically for Advance clients5.

Available to HSBC Advance and Premier clients.

Apply Now

Available to HSBC Customers.

Apply Now

Available to HSBC Customers.

Apply Now

 
Additional Benefits        
 
Travel Accident Insurance8

Yes

Yes

Yes

Yes

 
Identity Theft Resolution Services8

Yes

Yes

Yes

Yes

 
24-hour toll-free assistance with lost or stolen cards, emergency temporary card replacement and emergency cash advances8

Yes

Yes

Yes

Yes

 
Spending Limit

No pre-set spending limit4

Limits vary

Limits vary

Limits vary


View the HSBC Premier Cardmember Agreement*
View the HSBC Advance Cardmember Agreement*
View the HSBC Platinum Cardmember Agreement*

1 HSBC Premier World MasterCard® credit card requires an HSBC Premier relationship and is subject to credit approval. To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for personal HSBC Premier Relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

2 HSBC Premier World MasterCard® Guide to Benefits and Terms & Conditions brochure will be supplied to all new customers following the receipt of their card.

3 The 25,000 Rewards Program Bonus Points ("Rewards Bonus Points") offer applies to new, net retail purchases using your HSBC Premier World MasterCard® credit card when you charge the qualifying amount or more, within the first three (3) months from Account opening ("Promotional Period"). The 25,000 Rewards Bonus Points offer does not apply to balance transfers, credit card checks, cash advances or overdrafts. Your Premier World MasterCard® credit card must be open and in good standing at the time of Rewards Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Rewards Bonus Points to post to your Account.

4 No pre-set spending limit: This does not mean that all charges will be approved. Each time you make a charge (except ATM cash advance transactions), we will evaluate it for approval including charges in excess of your Revolving Credit Line. You must pay the amount that exceeds your Revolving Credit Line by your next payment due date. Prior to making purchases above your Revolving Credit Line, consider contacting your Premier Relationship Manager.

5 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain $10,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $20 will be incurred if minimum balance requirements are not maintained.

6 The 20,000 Rewards Program Bonus Points ("Rewards Bonus Points") offer applies to new, net purchases using your HSBC Advance MasterCard® credit card when you charge the qualifying amount or more within the first three (3) months from Account opening ("Promotional Period"). The 20,000 Rewards Bonus Points offer does not apply to balance transfers, credit card checks, cash advances or overdrafts. Allow 4-6 weeks after the Promotional Period has ended for the Rewards Program Bonus Points to post to your Account.

7 You will receive 10,000 Rewards Program Bonus Points ("Rewards Bonus Points"), which can be redeemed for $100 cash back. To qualify and receive the Rewards Bonus Points, you must charge the qualifying amount or more in new, net purchases within the first three (3) months from Account opening ("Promotional Period"), using your HSBC Platinum MasterCard® with Rewards credit card. The Rewards Bonus Points do not apply to balance transfers, credit card checks, cash advances or overdrafts. Your Platinum MasterCard® with Rewards credit card must be open and in good standing at the time of Rewards Bonus Points fulfillment. Allow 4-6 weeks after Promotional Period has ended for Rewards Bonus Points to post to your Account.

8 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with MasterCard, or HSBC Bank USA, N. A.

Usage restrictions apply to the emergency temporary card.

Please refer to the MasterCard Guide to Benefits, which will be supplied to all new customers following the receipt of their card.

HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval.

Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

PayPassTM is a trademark of MasterCard International Incorporated in the United States and/or other countries.

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†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE
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