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HSBC Credit Cards

Life's better with choices

Our Credit Cards

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.

HSBC Gold Mastercard® credit card

Get a little extra spending power with the new HSBC Gold Mastercard® credit card.  With a long introductory offer period and fewer fees than many competitors, this credit card helps you to save money while being the you, you want to be.

  • 0%1 Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening. After that a competitive variable APR of 12.74%, 16.74% or 20.74%1 will apply
  • Late Fee Waiver
  • No Annual Fee1
  • No Penalty APR
  • No Foreign Transaction Fees

Credit cards are available with:

HSBC Cash Rewards Mastercard® credit card

Turn the rewards you earn on everyday purchases into something more meaningful — an experience. With the HSBC Cash Rewards Mastercard® credit card it’s not just more cash back, it’s more ways to build memories.
  • $150 Cash Back after spending $500 or more in new card purchases during the first 3 months from Account opening2
  • 0%3 Introductory APR on Balance Transfers for the first 15 months from Account opening. After that, a competitive variable APR of 14.74%, 18.74% or 24.74%3 will apply
  • 1.5% Unlimited Cash Back on all purchases
  • 10% Anniversary Bonus on all Cash Rewards earned each year
  • No Annual Fee3
  • No Foreign Transaction Fees

Credit cards are available with:

HSBC Platinum Mastercard® with Rewards credit card

Life’s better with choices.  The HSBC Platinum Mastercard® with Rewards credit card allows you to enjoy your rewards the way you want.
  • Earn 15,000 Rewards Program Bonus Points, worth $150 cash back after spending $500 in the first 3 months from credit card Account opening4
  • 0%5 Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening ("Introductory Period").
  • Competitive variable APR of 14.74%, 18.74% or 24.74%5 will apply after the Introductory Period.
  • No Annual Fee5
  • No Foreign Transaction Fees

Credit cards are available with:

HSBC Advance Mastercard® credit card

Make the good times even better the with the HSBC Advance Mastercard® credit card.  With 2X Rewards Program Points on dining and select entertainment purchases, enjoy double the rewards for doing the things you enjoy.
  • Earn 25,000 Rewards Program Bonus Points, worth $250 in gift cards, after spending $1,500 in the first 3 months from Account opening6
  • 0%7 Introductory APR on purchases and balance transfers for the first 12 months from Account opening (“Introductory Period”)
  • Competitive variable APR of 16.74% or 20.74%7 will apply after the Introductory Period
  • 2X Points on dining and select entertainment purchases, 1X Point on all other purchases
  • No Annual Fee7
  • No Foreign Transaction Fees

Credit cards are available with:

HSBC Premier World Mastercard® credit card

Travel further with the HSBC Premier World Mastercard® credit card. Take advantage of our generous introductory offer, and premium travel benefits and rewards that support your lifestyle.

  • Earn 35,000 Rewards Program Bonus Points, worth at least $400 in air travel, after spending $3,000 in the first 3 months from Account opening8
  • 2X Points on travel, 1X Points on all other purchases
  • $85 TSA Pre√® credit9
  • $50 Annual Statement Credits for rides with Uber and Lyft9
  • No Foreign Transaction Fees
  • No Annual Fee10
  • Competitive, variable APR of 16.74% or 20.74% 10 on Purchases and Balance Transfers
  • Lost or damaged baggage coverage, Trip Cancellation Insurance, $1 Million Travel Accident Insurance9

Credit cards are available with:

HSBC Premier World Elite Mastercard® credit card

Elevate your experiences with the HSBC Premier World Elite Mastercard® credit card, offering our richest rewards and access to elite travel benefits. Enjoy a credit card that complements the way you live and travel.
  • Earn 50,000 Rewards Program Bonus Points worth $750 in airfare when booked online through HSBC Rewards, after spending $4000 in the first three months of account opening.11
  • 3X Points on travel, 2X Points on dining, 1X Points on all other purchases
  • Complimentary membership to a network of 850+ airport lounges, plus two free lounge visits per year9
  • $100 Annual Air Travel Credit9
  • $85 TSA Pre√® credit9
  • $100 Annual Statement Credits for rides with Uber and Lyft9
  • World Elite Concierge Service12
  • No Foreign Transaction Fees
  • $395 Annual Fee15 (plus $65 per Authorized User)
  • Competitive, variable APR of 16.74% or 20.74%15 on Purchases and Balance Transfers
  • Distinctive metal card design
  • Lost or damaged baggage coverage, Trip Cancellation Insurance, $1 Million Travel Accident Insurance9

Credit cards are available with:

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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. After the Introductory Period, a variable Purchase APR of 12.74%, 16.74% or 20.74%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 12.74%, 16.74% or 20.74%, 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 26.74%. 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. After the Introductory Period, a variable Balance Transfer APR of 14.74%, 18.74% or 24.74%, depending on your creditworthiness, will apply to balance transfers and credit card checks. A variable Purchase APR of 14.74%, 18.74% or 24.74%, 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 26.74%. Your APRs may increase to the variable Penalty APR of 31.74% 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.

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. After the Introductory Period, a variable Purchase APR of 14.74%, 18.74% or 24.74%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 14.74%, 18.74% or 24.74%, 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 26.74% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 31.74% 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. After the Introductory Period, a variable Purchase APR of 16.74% or 20.74%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 16.74% or 20.74%, 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 26.74%. Your APRs may increase to the variable Penalty APR of 31.74% 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 16.74% or 20.74%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and credit card checks and will be either 16.74% or 20.74%, 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 26.74%. Your APRs may increase to the variable Penalty APR of 31.74% 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 16.74% or 20.74%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and credit card checks and will be either 16.74% or 20.74%, 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 26.74%. Your APRs may increase to the variable Penalty APR of 31.74% 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.