HSBC Premier World Elite Mastercard
in Personal Credit Cards from HSBC Bank USA
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HSBC Premier World Elite Mastercard
in Personal Credit Cards from HSBC Bank USA
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| Purchase APR (Variable APR) | 17.24% - 21.24% |
| Balance Transfer APR (Variable APR) | 17.24% - 21.24% |
| Credit Score Range | 670 - 850 |
| Annual Fee | $395 |
HSBC Premier World Elite Mastercard Review
HSBC Premier World Elite Mastercard is a rewards credit card issued by HSBC Bank USA. If you're wondering whether HSBC Premier World Elite Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.
Key Takeaways
- Generous reward rate. You will get a a rewards rate of up to 3x.
- Earn a rewards rate of up to 3x.
- Signup bonus. Offers a signup bonus of 50000 points after spending $4,000 that can be redeemed for travel, gifts, or other perks.
- 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%.
- 3% Balance transfer fee. HSBC Premier World Elite Mastercard charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as airline credit, access to a concierge, Global Entry / TSA Precheck Fee Credit, price protection, purchase protection, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 670.
HSBC Premier World Elite Mastercard Pros & Cons
| The Good | The Bad |
|---|---|
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HSBC Premier World Elite Mastercard FAQ
Is there a HSBC Premier World Elite Mastercard cash back or rewards program?
HSBC Premier World Elite Mastercard offers a rewards program to its customers.
| Rewards rate (all purchases) | 2% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 50000 |
| Signup Bonus Spend Requirement | $4000 |
| Annual Loyalty Bonus | $100 |
Does HSBC Premier World Elite Mastercard have a signup bonus?
HSBC Premier World Elite Mastercard doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.Does HSBC Premier World Elite Mastercard offer an annual loyalty bonus?
Yes, HSBC Premier World Elite Mastercard offers card users an annual bonus worth up to $100.
What are the HSBC Premier World Elite Mastercard benefits?
HSBC Premier World Elite Mastercard provides the following benefits:
- Price Protection
- Cellular Telephone Protection
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for HSBC Premier World Elite Mastercard?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. HSBC Premier World Elite Mastercard has higher than average purchase APRs.HSBC Premier World Elite Mastercard 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%. The card has a variable cash advance APR of up to 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 Premier World Elite Mastercard have an introductory APR offer on balance transfers?
No, HSBC Premier World Elite Mastercard does not come with an introductory APR offer for balance transfers.Does HSBC Premier World Elite Mastercard have an introductory APR offer on new purchases?
HSBC Premier World Elite Mastercard does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for HSBC Premier World Elite Mastercard?
The following fees apply to HSBC Premier World Elite Mastercard:
| Fees | Amount |
|---|---|
| Annual Fee | $395 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $37 |
Does HSBC Premier World Elite Mastercard have a foreign transaction fee?
HSBC Premier World Elite Mastercard 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 Premier World Elite Mastercard report your account activity to credit bureaus?
HSBC Premier World Elite Mastercard 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.
How to apply for HSBC Premier World Elite Mastercard
- Visit the HSBC Premier World Elite Mastercard 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 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.
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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
- Headquarters
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425 Fifth Avenue
New York, NY 10018 - Visit Site
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Availability
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
| Every Purchase (Points) | Earn 3X Rewards Program Points on new travel and 2X Rewards Program Points on dining. 1 X Points on all other purchases. |
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