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HSBC Elite Credit Card Claimed

HSBC Elite Credit Card

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Highlights
Purchase APR  (Variable APR) 17.24% - 21.24%
(Verified 08/22/2022)
Balance Transfer APR  (Variable APR) 17.24% - 21.24%
(Verified 08/22/2022)
Credit Score Range Starting at 700
Annual Fee N/A

HSBC Elite Credit Card Review

This is a credit card issued by HSBC Bank USA. If you're wondering whether HSBC Elite Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Earn 50,000 Rewards Bonus Points worth $750 in airfare – when booked online through HSBC Travel from Rewards – after spending $4,000 in the first 3 months of account opening.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 21.24%.
  • 4% Balance transfer fee. HSBC Elite Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of HSBC Elite Credit Card

The Good The Bad
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card benefits.

HSBC Elite Credit Card FAQ

Does HSBC Elite Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for HSBC Elite Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

HSBC Elite Credit Card has a variable purchase APR that ranges from 17.24% up to 21.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 21.24%. It also has a variable cash advance APR of 27.24% . Note that late payments are subject to an APR of 32.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does HSBC Elite Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does HSBC Elite Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for HSBC Elite Credit Card?

The following fees apply:

HSBC Elite Credit Card Fees
Fees Amount
Annual Fee

What is the customer service phone number for HSBC Elite Credit Card?

The HSBC Elite Credit Card customer service number is (800) 975-4722.

What is the support contact email for HSBC Elite Credit Card?

The support contact email for HSBC Elite Credit Card is hsbcusahelp@us.hsbc.com.

What is the HSBC Elite Credit Card login page?

You can access the HSBC Elite Credit Card login page here.

How do people rate the customer service and user experience of HSBC Elite Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for HSBC Elite Credit Card

  • Visit the HSBC Elite Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 10:00am - 4:00pm
  • Tuesday 10:00am - 4:00pm
  • Wednesday 10:00am - 4:00pm
  • Thursday 10:00am - 4:00pm
  • Friday 10:00am - 4:00pm
  • Saturday 9:00am - 1:00pm

Other Services by HSBC Bank USA

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View all credit cards offered by HSBC Bank USA

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 -
Bonus Offer Earn 50,000 Rewards Bonus Points worth $750 in airfare – when booked online through HSBC Travel from Rewards – after spending $4,000 in the first 3 months of account opening.
Cash Advance APR (Variable APR) 27.24%
APR Type Variable APR
Penalty APR (Variable APR) 32.24%
Purchase APR (Variable APR) 17.24% - 21.24%
(Verified 08/22/2022)
Balance Transfer APR (Variable APR) 17.24% - 21.24%
(Verified 08/22/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

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