HSBC Premier is issued by HSBC Bank USA. The button below hands you to the issuer's own application.
Apply now HSBC Bank USA agreements on file
Applications are handled by HSBC Bank USA, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.
Disclosed rates and fees
Read from HSBC Bank USA's own published disclosure for this card. Anything the issuer does not state is left out of this table rather than shown as a zero.
| Balance transfer APR | 19.99% |
|---|---|
| Annual fee | $95 |
| Foreign transaction fee | None |
Analysis
HSBC Premier is issued by HSBC Bank USA. The issuer publishes part of this card's pricing, though not its purchase APR.
The card in one paragraph
A premium tier. Cards at this level usually carry higher credit lines and more benefits, sometimes with an annual fee to match.
What it costs to hold and use
The annual fee is $95, which it earns back only if what the card gives you is worth more than that every year. No foreign transaction fee, which matters more than it sounds: the usual 3% applies to anything processed abroad, including online orders from foreign merchants placed at home.
What is missing, and why
HSBC Bank USA does not publish the purchase APR and the late payment fee on the page where this card appears. We have not filled those gaps with typical figures, because a plausible number is indistinguishable from a real one once it is printed beside a card.
The rates and fees for any card are disclosed in full before you submit an application, and the issuer has to give them to you then. If you want them beforehand, the issuer's cardholder agreements filed with the CFPB are linked on this page.
In short
There is not enough published pricing here to judge what this card costs. Treat the application disclosure as the first real information you will get, and read it before you submit.
Where these facts come from
The card name, the image and the application link on this page were read from HSBC Bank USA's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.
Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read HSBC Bank USA's current disclosure before you apply.
We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. Those unmatched documents no longer get pages of their own on this site: a page named after a PDF is not something a reader can use. They remain published as documents, linked from this page and from the issuer's. How we read the filings.
More from HSBC Bank USA
This is the only HSBC Bank USA card we have art and an application link for. The issuer's page lists it alongside every agreement it has filed.
Where this card sits
Comparison lists this card qualifies for: