HSBC - The world's local bank

NO MATTER WHAT YOUR PRIORITIES ARE, there's an HSBC Credit Card for you.

† It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, which may not include a 0% Introductory APR and/or rewards feature, and with different terms and conditions which will be disclosed to you before your application is processed.

A full 1% cash back on every single card purchase
No earnings caps or point expiration - when we say unlimited, we mean unlimited
No complicated spending requirements or tiers
0% Introductory APR on card purchases and balance transfers for 12 months*
No annual fee

The HSBC Platinum MasterCard with CASH OR FLY REWARDS

Earn 1 point for every dollar spent; 25,000 points equal a domestic roundtrip airfare with a maximum dollar value of $400. Start redeeming for travel with as little as 7,500 points
Book your own tickets or use our travel agency
No blackout dates
No earnings caps or point expiration
1% cash back option
0% Introductory APR on card purchases and balance transfers for 12 months*
No annual fee

REWARD YOURSELF WITH CASH BACK, MERCHANDISE, TRAVEL REWARDS and more

Earn 1 point for every dollar spent with your card
Redeem your earnings for flights and stays at participating hotels, gift cards from popular merchants, unlimited cash back and much more
No earnings caps or point expiration
0% Introductory APR on card purchases and balance transfers for 12 months*
No annual fee

0% Introductory APR on card purchases and balance transfers for 12 months*
No annual fee

GREAT FOR BUILDING A STRONG CREDIT HISTORY

$35 Annual Fee
Credit Line set by consumer with minimum $300 deposit, up to $5,000
Online Access to Account 24/7 for easy management
Worldwide MasterCard Acceptance at 25 million locations

*Rates are accurate as of 10/15/09. The Introductory APR for 12 months does not apply to cash advances. After the Introductory Period, the variable Customary APR will apply. The variable Customary APR is between 12.99% and 19.99%, depending on your creditworthiness. A 3% ($10 minimum) cash advance fee will apply to all cash advances, unless otherwise disclosed. A Cash Advance Fee of 3% ($5 minimum) will apply to all balance transfers, unless otherwise disclosed. We will increase your Introductory APR to your variable Default APR if you fail to make a payment to us when due or you exceed your credit limit. The variable Default APR is between 27.24% and 31.99%. The variable Cash APR for cash advances and overdrafts is 21.99%. The Minimum Finance Charge is $1. The Overdraft Fee, if applicable, is 3% of the overdraft amount, or $5, whichever is greater. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency. We apply payments to lower APR balances before higher APR balances.

We have the right to change your APRs, fees and other terms at any time, for any reason in accordance with your Cardmember Agreement and applicable law.

These cards are issued by HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. and are serviced by its affiliates, HSBC Card Services Inc. and/or HSBC Card Services (II) Inc.