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About Our Ratings
Credit Needed
Excellent

HSBC Platinum MasterCard® with Rewards Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
13.49%, 17.49% or 23.49% (Variable) 
Annual Fee
None

This card compared to other travel rewards cards

Card Name
HSBC Platinum MasterCard® with Rewards
Points or Miles
For every $1 you spend, you earn 1.5x Miles.
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Miles or Points
We'll match all the rewards new cardmembers have earned at the end of their first year. No purchase caps or minimums. No signing up. And no limit. Only for new cardmembers.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
Purchase APR
13.49%, 17.49% or 23.49% (Variable) 
11.74% - 23.74% Variable 
16.74% - 23.74% Variable 
Annual Fee
None
$0
$95
CardRatings.com Editorial Staff

HSBC Platinum MasterCard® with Rewards details

Balance Transfer Intro APR:
0% Introductory APR will apply for the first 12 months from Account opening
Balance Transfer Intro Period:
APR:
12 months
Balance Transfer Fee:
Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.74%, 13.74% or 19.74%
 9.74%, 13.74% or 19.74%
 21.74%
APR:
  13.49%, 17.49% or 23.49% (Variable)
 13.49%, 17.49% or 23.49% (Variable)
 25.49% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 0% Introductory APR will apply for the first 12 months from Account opening.
 0% Introductory APR will apply for the first 12 months from Account opening
 N/A
Intro Period:
 12 months
 12 months
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 30.49% (Variable): If the Penalty APR is applied, it will apply for at least 6 months and may apply indefinitely.
Default/Penalty Margin:
 26.74%
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 Your APRs may increase to the Penalty APR if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 None
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.  


Notes:

Rebate Description:
 Earn unlimited Points on every new, net purchase with no earnings cap or Point expirations and enjoy the flexibility to choose cash back, gift cards, merchandise or travel rewards. Redeem Points for 1% cash back or choose other redemption options.
Special Notes:
 Returned Payment Fee: Up to $25
Credit Card More Information:

Card Issued By:
 HSBC Bank
General Correspondence Address:
One HSBC Center
Buffalo, NY 14203
Card Type:
 MasterCard
Card Class:
 Platinum
Card Category:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Alexi ( Jul 25, 2013 at 5:28 am)

    The APR is ridiculous. They were not willing to work with me to lower it either.


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Apply online for Discover it® Miles

Discover it® Miles

  • Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your rewards in any amount for cash or a travel credit.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Discover Match(R) details & other information.
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good