Best HSBC Credit Cards (2026)
Compare all HSBC credit cards and find the best fit for your spending.
Top Pick
HSBC Elite credit card
Spend $4,000 in 3 months
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Compare side by side →Frequently Asked Questions
What is the best HSBC credit card?
The HSBC Elite credit card is currently the top-rated HSBC card, offering a $495/yr annual fee and a strong welcome offer for new cardholders.
Does HSBC have a credit card with no annual fee?
Most HSBC cards carry an annual fee, but the rewards and credits on premium cards typically offset the cost for frequent travelers.
What credit score do you need for a HSBC card?
Most HSBC credit cards require good to excellent credit (typically 670+). Premium travel cards like the HSBC Elite credit card generally require a score of 720 or higher for the best approval odds.
What rewards do HSBC credit cards earn?
HSBC credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.
Are HSBC credit card points worth it?
HSBC points and miles offer strong value, especially when redeemed for travel. Pairing multiple HSBC cards can maximize your earning across categories.
How do I apply for a HSBC credit card?
You can apply directly through https://www.us.hsbc.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
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