Eric Rosenberg
11 min
947
HSBC Bank USA isn't one of the largest credit card issuers in the U.S., but it offers some solid credit cards for just about any use. So we took on the task of finding the best HSBC credit card for each situation.
Whether you want a premium travel credit card with a long list of perks, a basic cash-back credit card with tons of value, or a long 0% APR promotion on purchases or balance transfers, there's an HSBC credit card for you.
To qualify, you typically need good or excellent credit, which means a credit score of about 680 or higher. But there's no hard-and-fast rule.
To pick the right credit card for your needs, consider each of these HSBC credit cards, and compare them with some of the other top credit cards on the market.
In addition to considering their rewards and other perks, also look at their interest rates, fees, and other terms.
Think about your spending habits and choose a card that offers the best rewards for your needs: either bonus rewards on your primary spending categories or a high rewards rate on all purchases.
Also, consider whether rewards are your top priority — for example, a card with a good 0% APR promotion may be more important at the moment than a card with a big sign-up bonus.
Here are our top picks for credit cards from HSBC Bank USA.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated October 31, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.
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Application Process: Apply online, and get a decision within 60 seconds or less.
Rewards: Earn 1 point per dollar spent on all purchases.
Bonus Offers: Earn 15,000 points, worth $150 cash back, after you spend $500 in the first three months.
Annual Fee: None.
Details:HSBC Platinum Mastercard® with Rewards Credit Card »Application Process: Apply online, and get a decision within 60 seconds or less.
Rewards: Earn 2 points per dollar spent on dining and select entertainment purchases, and 1 point per dollar spent elsewhere.
Bonus Offers: Earn 25,000 rewards points, worth $250 in gift cards, after spending $1,500 in the first three months.
Annual Fee: None.
Details:HSBC Advance Mastercard® Credit Card »Application Process: Apply online, and get a decision within 60 seconds or less.
Rewards: None.
Bonus Offers: None.
Annual Fee: None.
Details:HSBC Gold Mastercard® credit card »Application Process: Apply online, and get a decision within 60 seconds or less.
Rewards: Earn 1.5% cash on all purchases. Also, get a 10% anniversary bonus on all cash rewards earned each year, effectively increasing your rewards rate to 1.65%.
Bonus Offers:None.
Annual Fee: None.
Details:HSBC Cash Rewards Mastercard® Credit Card »Vote to enter our $100 Amazon Gift Card giveaway.
Ben is a money and travel writer living in Utah. He has spent the past 10 years studying and working in the financial industry.
Ben has written for sites such as NerdWallet, USA Today, Money, Credit.com, Credit Karma, and US News.
Ben loves giving people the tools they need to improve their financial health.
When he's not writing, Ben enjoys planning his next vacation, reading, and eating chips and salsa. You can connect with him at BenLuthi.co.
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