4  Best HSBC Credit Card Options

4 Best HSBC Credit Card Options

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.

Why trust us: Faveable has spent thousands of hours researching, interviewing experts, and testing products to come up with carefully selected lists trusted by millions of consumers since 2013.

4 Best HSBC Credit Card Options

  • 4. HSBC Platinum Mastercard® with Rewards Credit Card
  • 3. HSBC Advance Mastercard® Credit Card
  • 2. HSBC Gold Mastercard® credit card
  • 1. HSBC Cash Rewards Mastercard® Credit Card

HSBC Platinum Mastercard® with Rewards Credit Card

HSBC Platinum Mastercard® with Rewards Credit Card
Variable APR
14.74%, 18.74% or 24.74%
Cash Advance APR
26.74%
Rewards Rate
Earn 1X Rewards Program Point for every dollar in new card purchases.
Annual Fee
$0
Intro APR
0% introductory APR on purchases and balance transfers for 12 months
Bonus Offers
Earn 15,000 Rewards Program Bonus Points, which can be redeemed for $150 cash back after you spend $500 or more in new card purchases in your first 3 months
60 % Editor Score
82 % User Score
358 Clicks

Why People Love it

  • Decent sign-up bonus
  • Introductory APR promotion
  • Light on the fees

  • Offers a sign-up bonus worth $150
  • No interest on purchases and balance transfers for 12 months
  • No annual fee or foreign transaction fees
  • Ongoing rewards rate is mediocre
  • Charges an above-average balance transfer fee
  • Potentially high interest rate

Details

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 »

HSBC Advance Mastercard® Credit Card

HSBC Advance Mastercard® Credit Card
Variable APR
16.74% or 20.74%
Cash Advance APR
26.74%
Rewards Rate
Earn 2X Rewards Program Points on dining and select entertainment purchases. Earn 1X Rewards Program Point on all other purchases.
Annual Fee
$0
Intro APR
0% introductory APR on purchases and balance transfers for 12 months
Bonus Offers
Earn 25,000 Rewards Program Bonus Points, worth $250 in gift cards, after spending $1,500 or more in the first 3 months
76 % Editor Score
87 % User Score
337 Clicks

Why People Love it

  • High sign-up bonus
  • Introductory APR promotion
  • Travel benefits

  • A sign-up bonus worth $250 with no annual fee
  • No foreign transaction fees and travel accident insurance
  • No interest on purchases and balance transfers for 12 months
  • Ongoing rewards aren't the best on the market
  • Charges a balance transfer fee

Details

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 »

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card
Variable APR
14.24%, 20.24% or 25.24%
Cash Advance APR
27.24%
Rewards Rate
n/a
Annual Fee
$0
Intro APR
0% introductory APR on purchases and balance transfers for 15 months. Variable APR of 14.24%, 20.24% or 25.24% after the Introductory period.
Bonus Offers
n/a
86 % Editor Score
80 % User Score
236 Clicks

Why People Love it

  • Long introductory APR promotion
  • Light on the fees
  • Includes additional travel perks

  • No interest on purchases and balance transfers for 18 months
  • No annual fee or foreign transaction fees
  • Travel accident insurance, lost luggage protection, and more
  • No rewards program
  • Charges a balance transfer fee

Details

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 »

HSBC Cash Rewards Mastercard® Credit Card

HSBC Cash Rewards Mastercard® Credit Card
Variable APR
15.24%, 19.24% or 25.24%
Cash Advance APR
27.24%
Rewards Rate
1.5% Unlimited Cash Back on all purchases
Annual Fee
$0
Intro APR
0% introductory APR on balance transfers for 12 months. Variable APR of 15.24%, 19.24%, 25.24% will apply after the Introductory period.
Bonus Offers
Introductory 3% Cash Back for 12 months
Penalty APR
32.24%
80 % Editor Score
89 % User Score
233 Clicks

Why People Love it

  • Offers a decent sign-up bonus and rewards rate
  • APR promotion on balance transfers
  • Travel benefits

  • Get a sign-up bonus worth $150
  • Pay no interest on balance transfers for 12 months
  • Travel perks include no foreign transaction fees, lost luggage coverage, and travel accident insurance
  • 0% APR promotion doesn't include purchases
  • Charges an above-average balance transfer fee

Details

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: Earn $150 cash back after you spend $2,500 in the first three months after opening your account.

Annual Fee: None.

Details:HSBC Cash Rewards Mastercard® Credit Card »

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Article Staff

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.

Editor Jenna Holtz
Researcher Ronnie Langston
Art Director Cherry Barbacena

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4 Best HSBC Credit Card Options

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— Ben Ben Luthi

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