HSBC Credit Cards

Types of HSBC Credit Cards

Working with a large financial lender like HSBC allows customers to choose from several different credit card options. HSBC credit cards offer something for almost every consumer, from those who want a low annual percentage rate to make a large purchase to customers needing help repairing or establishing their credit.

The HSBC MasterCard

HSBC has three different standard MasterCards available: the HSBC MasterCard with Cash Rewards, the HSBC MasterCard with Cash or Fly Rewards, and the HSBC Platinum MasterCard. Each card offers 0 percent APR for an introductory period of six months to a year on purchases made with the card and transfers from other accounts. All cards feature fraud protection, online bill paying and account management, and travel assistance, and two of the cards offer reward plans that can be used at retailers or on travel purchases.

GM Flexible Earnings

Trying to save money for a new car but find it difficult with all your other daily needs? Here’s a way to take care of your future goals and your current spending. The GM Flexible Earnings card gives consumers three options for reward savings: you can get 1 percent cash back, 1 percent toward an automobile purchase, or 3 percent toward select GM vehicles. The GM card also offers a low APR without an annual fee.

Union Plus MasterCard

Members of 64 trade unions such as the International Association of Firefighters and the American Federation of Government Employees can apply for this HSBC credit card. The card has no annual fee, low interest rates, fraud protection, and payment-skipping privileges. The Union Plus MasterCard customer service center is available around the clock to assist customers.

Retail Credit Cards

Several leading retailers, including Costco, Neiman Marcus, and Best Buy, trust their credit card needs to HSBC, which backs the financing and handles the processing. These cards are typically only accepted at the stores that issue them, but they also carry a low APR or offer an introductory period with no payments. These bonuses can help consumers make large purchases for items that they can’t afford in one large cash payment.

Orchard Bank MasterCard

HSBC also offers a card to consumers who have a hard time getting credit because of a lack of credit history or past problems with credit. Over two million customers have chosen the Orchard Bank MasterCard as the key to starting new credit.

This card offers many of the same bonuses as other HSBC credit cards, but also includes limit increases, cash advances at ATMs, and monthly reporting to the credit bureaus so you can improve your credit score faster.

HSBC Credit Card Options

HSBC credit card consumers are able to access many options through their card, including:

• Credit Management: options like CreditKeeper give consumers daily access to their credit report and alerts them when there are any changes in their file.
• ID Protection: this add-on plan helps consumers who have their private information stolen by working with creditors.
• Online Access: most credit card transactions can be completed using HSBC’s secure Web site. Consumers can apply for a card, check their balance, and change their address.
• Rewards: Many of the cards available through HSBC offer reward programs that allow customers to earn incentives like retail gift cards, travel discounts, and air miles.