Unlimited Rewards Program Points with no expiration

3X plus 2X Introductory Points

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 purchases.1 

2X dining & entertainment Points

You’ll earn 2X Rewards Program Points on new, net dining and select entertainment purchases after the intro period.1

1X on all other purchases

You’ll earn 1X Points on all other purchases after the intro period.1

0% Introductory APR

0%2 Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening. Balance Transfers must be posted within the first 60 days following Account opening. After that, a competitive variable APR of 16.74% or 20.74%2 will apply.2

  • No Annual Fee2 for Advance and Premier customers
  • No Foreign Transaction Fees

Explore this card

Travel benefits

10% off at onefinestay

Get a 10% discount when you book one of the more than 10,000 high-end rental properties in cities like New York, Los Angeles, London, Paris, and more5

MasterRentalTM Coverage

Provides protection for physical damage and theft to most rental vehicles5.

Mastercard Travel & Lifestyle ServicesTM

Connects you with access to luxury travel benefits, amenities and upgrades at some of the most sought-after travel destinations either by phone, email or a personalized online platform5.

Everyday values and experiences

ShopRunner

Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.5

Postmates

Get $5 off on orders $25 or more for delivery of food, drinks and groceries (not including taxes, delivery fees, and tips).5

Priceless Golf

Provides discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with a PGA Tour professional and much more.5

Balance Transfers

When you transfer higher-interest debt to your HSBC Credit Card you could:

  • Save money on high-interest balances
  • Pay down balances faster
  • Streamline payments
  • Consolidate debt

Transfer balances for any amount

You can transfer balances for any amount, but the total amount – including fees, if applicable – cannot exceed the available credit limit on your HSBC Credit Card.

Balance Transfers between HSBC accounts is not allowed.

Peace of mind

Mastercard ID Theft ProtectionTM 

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft.5

Cellular Wireless Telephone Protection

Provides reimbursements up to $600 per claim if your cellphone is stolen or damaged.5

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!

Thousands of merchants accept contactless payments – use your card wherever you see the contactless symbol.

† Summary of Terms can be accessed here

HSBC Advance Mastercard® credit card Guide to Benefits brochure can be accessed here

HSBC Advance Mastercard® credit card Rewards & Benefits brochure can be accessed here

How to apply

To apply for an HSBC Advance Mastercard® credit card, you must have an existing U.S. HSBC Advance6 or Premier7 checking account relationship.

I have an HSBC Advance or Premier checking account relationship

New to HSBC

To apply for an HSBC Advance Mastercard® credit card, you must have an existing U.S. HSBC Advance6 or Premier7 checking account relationship. Explore the benefits today.

Existing HSBC Customer

Log on to Personal Internet Banking to apply for an HSBC Advance Mastercard® credit card.

PhoneContact our 24/7 Advance Customer Relationship Center.

Toll-free from within the U.S. or Canada:
844.249.2068

From everywhere else:
716.841.4477

In Person

Find the branch closest to you to apply in person.

I don’t have an HSBC Advance or Premier checking account relationship

Applying to become an HSBC Advance6 or Premier customer7 has many benefits beyond access to the HSBC Advance Mastercard® credit card.

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 Apply Pay,
Google Pay, and Samsung Pay.

1 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 entertainment purchases, and two (2) points per dollar on all other purchases. After the first $25,000 in new purchases, or the first 12 months from account opening, 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.

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 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 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 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 5%, 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 Advance6 or U.S. HSBC Premier7 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.

3 Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to the HSBC Advance Mastercard® credit card Rewards and Benefits brochure and Mastercard Guide to Benefits brochure. 

All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

5 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 see the HSBC Advance Mastercard® credit card Guide to Benefits and Mastercard Guide to Benefits brochure for full details.

6 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.

7 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.

HSBC Advance Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Advance or Premier relationship. To learn more, speak with an HSBC branch representative.

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

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).

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.