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  HSBC Platinum Rewards Credit Card

HSBC Platinum Rewards Credit Card

in Personal Credit Cards from HSBC Bank USA

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HSBC Platinum Rewards Credit Card

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in Personal Credit Cards from HSBC Bank USA

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 15.24% - 25.24%
Balance Transfer APR  (Variable APR) 15.24% - 25.24%
Credit Score Range 680 - 850

HSBC Platinum Rewards Credit Card Review

HSBC Platinum Rewards Credit Card is a cashback credit card issued by HSBC Bank USA. 

This card is designed for people with good credit. The minimum credit score to apply is 680. If you're wondering whether HSBC Platinum Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of HSBC Platinum Rewards Credit Card
Pros Cons
  • 0% introductory rate for purchases and balance transfers
  • No annual fee
  • No foreign transaction fees
  • Low rewards after the first year.
  • Is there a HSBC Platinum Rewards Credit Card cash back or rewards program?

    HSBC Platinum Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With HSBC Platinum Rewards Credit Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

    HSBC Platinum Rewards Credit Card Rewards
    Rewards rate (all purchases) 1.5%
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0

    Does HSBC Platinum Rewards Credit Card have a signup bonus?

    HSBC Platinum Rewards Credit Card doesn't offer a cash signup bonus.

    Does HSBC Platinum Rewards Credit Card offer an annual loyalty bonus?

    HSBC Platinum Rewards Credit 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
    • Fraud Liability
    • Cellular Telephone Protection
    • Travel Assistance
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for HSBC Platinum Rewards Credit Card?

    HSBC Platinum Rewards Credit Card has a variable purchase APR that ranges from 15.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 25.24%.

    It also has a variable cash advance APR starting at 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 Platinum Rewards Credit Card have an introductory APR offer?

    Yes, HSBC Platinum Rewards Credit Card offers an introductory APR rate on balance transfers of 0% for a period of 12 months.

    This card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

    HSBC Platinum Rewards Credit Card Rates & Terms
    Purchase APR 15.24% - 25.24%
    Balance Transfer APR 15.24% - 25.24%
    Cash Advance APR Starting at 27.24%
    Penalty APR 32.24%

    What are the HSBC Platinum Rewards Credit Card fees?

    The following fees apply to HSBC Platinum Rewards Credit Card:

    HSBC Platinum Rewards Credit Card Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 0%
    Balance Transfer Fee 4%
    Minimum Balance Transfer Fee $10
    Returned Payment Fee up to $25
    Late Payment Fee up to $37

    Does HSBC Platinum Rewards Credit Card have a foreign transaction fee?

    HSBC Platinum Rewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does HSBC Platinum Rewards Credit Card report your account activity to credit bureaus?

    HSBC Platinum Rewards Credit Card reports your account activity to the following credit reporting agencies:

    • 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 can help improve your credit score.

    How to apply for HSBC Platinum Rewards Credit Card

    • Visit the HSBC Bank USA website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...

    Contact

    • Headquarters
    •   425 Fifth Avenue
      New York, NY 10018
    •   Visit Site

    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 5:00pm
    • Tuesday 8:30am - 5:00pm
    • Wednesday 8:30am - 5:00pm
    • Thursday 8:00am - 6:00pm
    • Friday 8:30am - 5:00pm
    • Saturday 9:00am - 1:00pm

    Other Services by HSBC Bank USA

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    Availability

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

    Feature Breakdown

    No Interest Grace Period for Late Payment 25
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Returned Payment Fee Up to $25
    Minimum Interest Charge $1
    Late Fee Amount Up to $37
    Balance Transfer Fee % 4%
    Balance Transfer Fee Minimum $10
    Minimum Cash Advance Fee ($) Starting at $10
    Cash Advance Fee (%) Starting at 4%
    Cash Advance Fee Minimum $10
    Minimum Age 18
    Credit Score Range 680 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Fraud Liability  
    Emergency Support  
    Free FICO Score  
    Credit Card Benefits
    • Cellular Telephone Protection
    • Emergency Support
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Travel Assistance
    Rewards Categories
    • Every Purchase
    • Retail
    Bonus Rewards Introductory 3X Points on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
    Every Purchase 1 X points on all purchases after the introductory period.
    No Reward Expiration Period  
    Purchase APR (Variable APR) 15.24% - 25.24%
    Cash Advance APR (Variable APR) Starting at 27.24%
    Balance Computation average daily balance
    Penalty APR 32.24%
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 15.24% - 25.24%
    Introductory Rate 0%
    Intro APR period 12

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