Whether you're looking for cash back promotions, low introductory APRs or travel benefits, HSBC offers a variety of credit cards to meet your needs.

View the HSBC Gold Mastercard® credit card Cardmember Agreement

View the HSBC Cash Rewards Mastercard® credit card Cardmember Agreement

View the HSBC Platinum Mastercard® with Rewards credit card Cardmember Agreement

View the HSBC Advance Mastercard® credit card Cardmember Agreement

View the HSBC Premier World Mastercard® credit card Cardmember Agreement

View the HSBC Premier World Elite Mastercard® credit card Cardmember Agreement

1.       The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.975.HSBC (4722). The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 13.24%, 17.24% or 21.24%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 13.24%, 17.24% or 21.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the HSBC Gold Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 27.24%. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

2.       You will receive 15,000 Bonus Cash Rewards, which can be redeemed for $150 cash back. To qualify and receive the Bonus Cash Rewards, you must charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”), using your HSBC Cash Rewards Mastercard® credit card. The Bonus Cash Rewards do not apply to balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card must be open and in good standing at the time of Bonus Cash Rewards fulfillment. Allow 4-6 weeks after Promotional Period has ended for Bonus Cash Rewards to post to your Account.

3.       The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.975.HSBC (4722). The 0% Introductory APR does not apply to purchases, cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Balance Transfer APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks. A variable Purchase APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchases for the HSBC Cash Rewards Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journalthat is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee.See Summary of Terms for details.

4.       The 15,000 Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new HSBC Platinum Mastercard® with Rewards credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). You will receive 15,000 Rewards Program Bonus Points (“Bonus Points”), which can be redeemed for $150 cash back. The Bonus Points do not apply to account upgrades, account transfers, 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 Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

5.       The information about the costs and benefits of the cards described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 800.485.1794. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the HSBC Platinum Mastercard® with Rewards credit card. The variable Cash APR of 27.24% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

6.       The 25,000 Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new HSBC Advance Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The Bonus Points does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Advance Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

7.       The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 866.584.4722. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening.
 After the Introductory Period, a variable Purchase APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the HSBC Advance Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 3%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 3%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Foreign Transaction Fee. A $0 Annual Fee will apply for HSBC Advance Mastercard® credit card Account customers who have a qualifying U.S. HSBC Advance¹³ or U.S. HSBC Premier¹⁴ checking account relationship. A $45 Annual Fee will apply for HSBC Advance Mastercard® credit card Account customers who no longer have a qualifying U.S. HSBC Advance¹³ or U.S. HSBC Premier¹⁴ checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. See Summary of Terms for details.

8.      The 35,000 Rewards Program Bonus Points (“Bonus Points”) offer applies offer applies when you open a new HSBC Premier World Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier World Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

9.       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. Please refer to the Mastercard® Guide to Benefits and Terms and Conditions brochure, which will be supplied to all new customers following the receipt of their card.

10.    The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.HSBC (4722). A variable Purchase APR applies to credit card purchases and will be either 17.24% or 21.24%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and credit card checks and will be either 17.24% or 21.24%, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $0.50. A Balance Transfer Fee of either $5 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $5 or 3%, whichever is greater, will apply on each cash advance transaction. A $0 Annual Fee will apply for HSBC Premier World Mastercard® credit card account clients who have a qualifying U.S. HSBC Premier¹⁴ checking account relationship. A $95 Annual Fee will apply for HSBC Premier World Mastercard® credit card Account clients who no longer have a qualifying U.S. HSBC Premier¹⁴ checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. There is no Overdraft Transaction Fee or Foreign Transaction Fee. See Summary of Terms for details.

11.    The 50,000 Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new HSBC Premier World Elite Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The 50,000 Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier World Elite Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

12.    The Mastercard® Concierge Service is provided by Aspire Lifestyles. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affiliated with HSBC Bank USA, N.A.

13.    HSBC Advance Mastercard® credit card requires an U.S. HSBC Advance or Premier relationship and is subject to credit approval. To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance requirements are not met.

14.    HSBC Premier World Mastercard® credit card requires a U.S. 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.

15.    The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.HSBC (4722). A variable Purchase APR applies to credit card purchases and will be either 17.24% or 21.24%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and credit card checks and will be either 17.24% or 21.24%, depending on your credit worthiness, for the HSBC Premier World Elite Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $0.50. A Balance Transfer Fee of either $5 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $5 or 3%, whichever is greater, will apply on each cash advance transaction. There is no Overdraft Transaction Fee or Foreign Transaction Fee. A $395 Annual Fee will apply for HSBC Premier World Elite Mastercard® credit card account clients who have a qualifying U.S. HSBC Premier checking account relationship, and a $65 Annual Fee will apply to each Authorized User. See Summary of Terms for details

How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

* Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. 
HSI is an affiliate of HSBC Bank USA, N.A.