Card choices for a variety of lifestyles

Low introductory APRs, Rewards Program bonus Points, cash back, travel benefits, and more – compare and find the credit card that fits the way you live. 

HSBC Gold Mastercard® credit card

A little extra spending power

  • No Annual Fee1
  • No Foreign Transaction Fees
  • Late Fee Waiver
  • No Penalty APR

Introductory offer

0%, 1

Introductory APR*

 

*On Purchases and Balance Transfers for the first 18 months from Account opening. Balance Transfers must be posted within the first 60 days following Account opening. After that a competitive variable APR of 13.24%, 17.24% or 21.24%1 will apply.

HSBC Cash Rewards Mastercard® credit card

Expect more than just cash back
  • 1.5% Unlimited Cash Back – on all purchases after the intro period
  • 10% Anniversary Bonus – on all Cash Rewards earned each year
  • No Annual Fee3
  • No Foreign Transaction Fees
Introductory offer
3%2
Introductory Cash Back*
0%, 3
Introductory APR**

*on purchases in the first 12 months from Account opening, up to the first $10,000 in purchases2

 

**On Purchases and Balance Transfers for the first 12 months from Account opening.3 Balance Transfers must be posted within the first 60 days following Account opening.  After that, a competitive variable APR of 15.24%, 19.24% or 25.24%3 will apply.

HSBC Platinum Mastercard® with Rewards credit card

Your choice of rewards & shopping benefits
  • 1X Points – for every dollar in new card purchases after the intro period
  • No Annual Fee5
  • No Foreign Transaction Fees
Introductory offer
3X4
Introductory Points*
0%, 5
Introductory APR**

*on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases4

 

**On Purchases and Balance Transfers for the first 12 months from Account opening.5 Balance Transfers must be posted within the first 60 days following Account opening. After that a competitive variable APR of 15.24%, 19.24% or 25.24%5 will apply.

HSBC Advance Mastercard® credit card

More rewards for more good times
  • 2X Points – on dining and select entertainment purchases after the intro period
  • 1X Points – on all other purchases after the intro period
  • No Annual Fee7 for Advance12 and Premier13 clients
  • No Foreign Transaction Fees
Introductory offer
3X plus 2X6
Introductory Points*
0%, 7
Introductory APR**

*Earn an Introductory 3X Points on dining and select entertainment purchases plus 2X Points on all other purchases in the first 12 months from Account opening, up to the first $25,000 in purchases6

 

**On Purchases and Balance Transfers for the first 12 months from Account opening7.  Balance Transfers must be posted within the first 60 days following Account opening. After that, a competitive variable APR of 17.24% or
21.24%7 will apply.

HSBC Premier World Mastercard® credit card

Premium travel benefits and rewards
  • 2X Points – on travel
  • 1X Points –  on all other purchases
  • TSA Pre√® – $85 credit9 for application fee
  • Uber and Lyft9 – $50 Annual Statement Credits for rides
  • Travel coverage –Trip Cancellation Insurance, $1 Million Travel Accident Insurance9, lost or damaged baggage coverage
  • Competitive, variable APR of 17.24% or 21.24%, 10 on Purchases and Balance Transfers
  • No Foreign Transaction Fees
  • No Annual Fee10 for Premier13 clients
Introductory offer
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

HSBC Premier World Elite Mastercard® credit card

The ultimate travel companion
  • 3X Points – on travel
  • 2X Points – on dining
  • 1X Points – on all other purchases
  • 1000+ airport lounges – complimentary membership plus two free lounge visits per year9
  • Air Travel Credit9 – $100 annual credit
  • TSA Pre√® – $85 credit9 for application fee
  • Uber and Lyft9 – $100 Annual Statement Credits for rides
  • Travel coverage -- lost or damaged baggage coverage, Trip Cancellation Insurance, $1 Million Travel Accident Insurance9
  • Competitive, variable APR of 17.24% or 21.24%%, 14 on Purchases and Balance Transfers
  • No Foreign Transaction Fees
  • $395 Annual Fee14 (plus $65 per Authorized User)
Introductory offer
50,000
Rewards Program
Bonus Points*

*worth $750 in airfare when booked online through HSBC Rewards, after spending $4,000 in the first 3 months of Account opening11

HSBC Cash Rewards Mastercard® credit card Student Account15
Start building your credit history today so you can make the most of tomorrow
  • 1.5% Unlimited Cash Back on all purchases16
  • 10% Anniversary Bonus – on all Cash Rewards earned each year
  • No credit history required for approval17
  • Unlimited access to our online tools to learn more about credit
  • View your FICO® Credit Score for free on your HSBC Credit Card statement18

Student only offerGet rewarded for being financially responsible

 

Graduate to the standard HSBC Cash Rewards Mastercard® credit card after 4 years if your Account is in good standing.

Tap & go® with any HSBC credit card

Tap & go® contactless payments are faster than swiping or inserting your card for payment. 

It’s easy! 

  • Place – Simply place your HSBC credit card close to a contactless payment terminal
  • Hold – Briefly hold your card close to the terminal until it confirms the payment with a green light or beep,
  • Done – Follow the prompts, and you're done!

As an HSBC customer, you're automatically enrolled in our fraud alert program.

See your FICO® Score for free, along with key score factors, on your monthly statement.

All HSBC Credit Cards are available with All HSBC Credit Cards are available with Apple Pay, Google Pay, and Samsung Pay.

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

View the HSBC Cash Rewards Mastercard® credit card Student Account 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 For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Cash Rewards per dollar. After the first $10,000 in new purchases, or the first year, whichever comes first, you will earn 1.5 Cash Rewards per dollar on all new purchases. Cash Rewards can be redeemed as cash back. Cash Rewards do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card must be open and in good standing in order to earn Cash Rewards.

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 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 Cash Rewards Mastercard® 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 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 For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar. After the first $10,000 in new purchases, or the first year, whichever comes first, you will earn one (1) point per dollar on all new purchases. Points do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Platinum Mastercard® with Rewards credit card must be open and in good standing in order to earn points.

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 For the first $25,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar on dining and select entertainment purchases, and two (2) points per dollar on all other purchases. After the first $25,000 in new purchases, or the first year, whichever comes first, you will earn two (2) points per dollar on dining and entertainment purchases, and one (1) point per dollar on all other purchases. Points do 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 in order to earn points.

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 Advance12 or U.S. HSBC Premier13 checking account relationship; otherwise a $45 Annual Fee will apply. 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 HSBC Premier World Mastercard® credit card Rewards and Benefits brochure and MasterCard Guide to Benefits 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 Premier13 checking account relationship; otherwise a $95 Annual Fee will apply. 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 HSBC Advance Mastercard® requires a U.S. HSBC Advance or Premier relationship. For a complete list of HSBC Advance Relationship eligibility requirements please visit https://www.us.hsbc.com/advance/ or speak with an HSBC Branch Representative.

13 HSBC Premier World Mastercard® requires a U.S. HSBC Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/premier/ or speak with your Relationship Manager.

14 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.

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 800.975.HSBC (4722). A variable Purchase APR and variable Balance Transfer APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchases, balance transfers and credit card checks for the HSBC Cash Rewards Mastercard® credit card Student Account. 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 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.
The HSBC Cash Rewards Mastercard® Student Account is only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with HSBC Bank USA, N.A. 

16 You will earn 1.5 Cash Rewards per dollar on all new purchases. Cash Rewards can be redeemed as cash back. Cash Rewards do not apply to account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card Student Account must be open and in good standing in order to earn Cash Rewards.

17 No credit history required; however, applicant must meet the eligibility requirements for the HSBC Cash Rewards Mastercard® credit card Student Account.

18 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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). 

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

Mastercard and Tap & go are registered trademarks of Mastercard International Incorporated.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.