Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
14.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
HSBC Platinum Rewards Credit Card Review
This is a cashback credit card issued by HSBC Bank USA. If you're wondering whether HSBC Platinum Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: HSBC Platinum Rewards Credit Card has a variable regular purchase APR that ranges from 14.49% up to 24.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. HSBC Platinum Rewards 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of HSBC Platinum Rewards Credit Card
| The Good | The Bad |
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HSBC Platinum Rewards Credit Card FAQ
Does HSBC Platinum Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does HSBC Platinum Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does HSBC Platinum Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the HSBC Platinum Rewards Credit Card benefits?
HSBC Platinum Rewards Credit Card provides the following benefits:
- Free Credit Score
- Emergency Support
- Zero fraud liability
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for HSBC Platinum Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.HSBC Platinum Rewards Credit Card has a variable purchase APR that ranges from 14.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 24.49%. It also has a variable cash advance APR of 26.49% .
Note that late payments are subject to an APR of 31.49% 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 Platinum Rewards Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.49% - 24.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does HSBC Platinum Rewards Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for HSBC Platinum Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does HSBC Platinum Rewards Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for HSBC Platinum Rewards Credit Card?
The customer service number for HSBC Platinum Rewards Credit Card is (800) 975-4722.
What is the support contact email for HSBC Platinum Rewards Credit Card?
The support contact email for HSBC Platinum Rewards Credit Card is hsbcusahelp@us.hsbc.com.
How do people rate the customer service and user experience of HSBC Platinum Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HSBC Platinum Rewards Credit Card report your account activity to credit bureaus?
Yes, HSBC Platinum Rewards Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does HSBC Bank USA perform a hard credit pull?
Yes, HSBC Platinum Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for HSBC Platinum Rewards Credit Card
- Visit the website of HSBC Platinum Rewards Credit Card.
- 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.
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
Personal Loans
7
1
1
9 Reviews
Other Credit Cards from HSBC Bank USA
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
660 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 18.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 18.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$45
Rating not yet determined
Purchase APR
17.24% - 21.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 21.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
N/A
Rating not yet determined
Purchase APR
17.24% - 21.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 21.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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HSBC Platinum Rewards Credit Card Community Reviews
Would you recommend HSBC Platinum Rewards Credit Card to your friends?
U
Anonymous
Sep 16, 2020
May or may not recommend
My mother is 88 years old and can barely hear or see to well . She had lost her card and was trying to get a replacement card for the last three months. We , I am her son and caretaker tried to call the other day. We tried to get here verified on the phone, but that just understand that she can barely hear and I have to ...Show More
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