HSBC offers two top credit cards for U.S. users looking for global rewards. This guide explains how to apply for an HSBC credit card in the USA and meet the requirements.
It also covers key features, fees, and benefits. By the end, you'll know which card fits your goals.
Types of HSBC Credit Cards Available in the U.S.
The bank offers two main credit cards in the U.S. market, both with distinct benefits. These cards are built for travelers, professionals, and anyone looking for top-tier features.
HSBC Premier Credit Card
The Premier credit card is designed for everyday use with a moderate annual fee. It offers practical rewards for gas, groceries, and travel.
You earn 50,000 bonus points after spending $4,000 in the first 3 months. These points can be worth up to $625 when redeemed through their rewards portal.
You'll also earn 3x points on gas and groceries, 2x on travel, and 1x on all other purchases. Additional perks include $60 in streaming credits, Lyft discounts, and Instacart+ benefits.
HSBC Elite Credit Card
The Elite card is built for luxury and high-spending users. You get a higher annual fee but more travel perks and point multipliers.
New cardholders can earn 60,000 points after spending $4,000 in 3 months, redeemable for up to $900 in travel. You'll earn 5x points on travel, 2x on dining, and 1x on other purchases.
Benefits include $400 in annual travel credit, TSA PreCheck credit, and unlimited airport lounge access for you and two guests. The card also unlocks rental insurance, exclusive hotel deals, and airline transfer rewards.
Who Is Eligible to Apply
Understanding the requirements is critical before submitting your application. These cards are not for everyone, so make sure you qualify first.
General Requirements
You must be at least 18 years old and live in the U.S. A valid Social Security Number or ITIN is required.
Applicants need to already have a Premier checking account with the issuer. A good to excellent credit score (typically 700+) will boost your approval odds.
You'll also need a steady source of income and solid credit history.
Account-Specific Rules
These cards are exclusive to Premier clients. You can't apply if you don’t have an eligible banking relationship.
This restriction ensures that only qualified customers access these premium offers. Your checking account must be active and in good standing.
The bank may also look at your deposit history and overall relationship. Make sure your profile fits before applying.
How to Apply for an HSBC Credit Card?
The application process is online, fast, and requires basic personal information. You need to follow a few simple steps to complete your application.
Application Process
The application can be completed entirely online and takes just a few minutes. Here’s what you need to do to apply for a card:
- Visit HSBC USA's official credit card page
- Select your preferred card (Premier or Elite)
- Click "Check eligibility and apply."
- Enter your personal information, including full name, address, SSN, and employment
- Provide your Premier account number
- Submit the form and wait for an instant decision or further instructions
Required Information
Have your documents ready before applying. You'll need your Social Security Number, home address, phone number, and email.
Income and employment details are required to verify your financial profile. You must enter your Premier account number to proceed.
Make sure your credit file is not frozen to avoid application errors. Having everything in order can help you get approved faster.
APR, Fees, and Charges
Understanding the cost of using the card is just as important as the rewards. These cards have high value but come with annual fees and interest rates.
HSBC Premier Credit Card
The Premier card has a $95 annual fee. Authorized users can be added for free.
The variable APR ranges from 20.24% to 24.24% depending on your credit. There are no foreign transaction fees, which is ideal for international use.
Balance transfer and cash advance rates may apply. Make sure you review the full fee schedule before using your card.
HSBC Elite Credit Card
The Elite card carries a $495 annual fee. Just like the Premier card, there's no charge for authorized users.
It shares the same APR range of 20.24% to 24.24% variable. The card also avoids foreign transaction fees.
You'll get a higher earning potential, but only if you travel often. If you're not using the perks, the fee might not be worth it.
Rewards and Benefits Breakdown
Both cards offer generous points, but the reward structures differ. Here's a closer look at how each card earns you value.
HSBC Premier Card Rewards
You earn 50,000 bonus points after spending $4,000 in the first 90 days. Everyday purchases like gas and groceries earn 3x points.
Travel earns 2x points, and all other spending gets 1x. The card includes up to $60 in streaming service credits per year.
Instacart+ adds $140 in value through discounts and free months. You also get a $5 Lyft credit every month and a $79 ShopRunner membership.
HSBC Elite Card Rewards
The Elite card offers 60,000 bonus points, worth up to $900 when redeemed via the travel portal. You earn 5x points on travel purchases like flights and hotels.
Dining earns 2x points and all other purchases earn 1x. You get $400 per year in travel credit booked through the platform.
TSA PreCheck, Global Entry, or NEXUS reimbursements up to $120 are included. Lounge access, airline transfer partners, and travel insurance make this card more robust.
How to Contact HSBC for Help?
Sometimes you need help with the application or benefits. The provider has multiple support channels available.
Phone Support
You can call Premier Customer Service at 1-888-662-4722. If you're outside the U.S., use 1-716-841-6866.
Agents are available to walk you through your application or answer card-related questions.
Be ready with your account info when calling. You can also ask about card features, payments, or eligibility.
Online and In-App Support
Visit www.us.hsbc.com to chat with support or explore FAQs. You can also use secure messaging inside your online banking account.
The website has application status updates and benefit explanations. The mobile app gives you full control of your card and account. If you apply online, expect updates via email or text.
Final Thoughts Before You Apply
These credit cards are ideal if you spend a lot or travel often. You must have a Premier checking account to apply.
The Premier card fits everyday spending, while the Elite card suits frequent travelers. Pick the one that aligns with your habits and goals.
Disclaimers: Offers and rates may change, so always check the official site. Some benefits require enrollment and depend on your account and spending.
