Bank · FDIC insured
HSBC USA Credit Card Rates
HSBC USA credit card rates start at 20.24% APR. Rates checked October 22, 2026.
How HSBC USA’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where HSBC USA has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
HSBC USA
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
HSBC Elite credit card
Requires an existing U.S. HSBC Premier checking account relationship or qualifying Private Bank relationship. Annual fee is $495 for primary cardholder and $0 for authorized users ($0 for Private Banking customers and $295 for HSBC US employees).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.24%–25.24% | $495 | Variable Purchase APR of 20.24% to 25.24% depending on creditworthiness, based on the U.S. Prime Rate plus a margin (spread). Maximum APR is 29.99%. Annual fee is $495 ($0 for Private Banking, $295 for HSBC US employees; $0 for authorized users). |
| Ongoing | 29.24% | $495 | Variable Cash APR of 29.24% based on the U.S. Prime Rate plus a margin (spread). Maximum APR is 29.99%. Fee of $10 or 5%, whichever is greater. |
Sources (1)
- us.hsbc.com/credit-cards/products/elite · captured Oct 15, 2026
HSBC Premier credit card
Requires an existing U.S. HSBC Premier checking account relationship. Annual fee is $95 for primary cardholder and $0 for authorized users ($0 for Private Banking customers or HSBC US employees).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.24%–25.24% | $95 | Variable Purchase APR of 20.24% to 25.24% depending on creditworthiness, based on the U.S. Prime Rate plus a margin (spread). Maximum APR is 29.99%. Annual fee is $95 ($0 for Private Banking or HSBC US employees; $0 for authorized users). |
| Ongoing | 29.24% | $95 | Variable Cash APR of 29.24% based on the U.S. Prime Rate plus a margin (spread). Maximum APR is 29.99%. Fee of $10 or 5%, whichever is greater. |
Sources (1)
- us.hsbc.com/credit-cards/products/premier · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.