The HSBC Bank USA, N.A. is a personal credit card from HSBC Bank USA, N.A.. The annual fee is $95 for the primary cardholder, $0 for authorized users. The ongoing APR is Variable 19.99% to 24.99% purchase APR, depending on creditworthiness. Signup bonus: Earn 60,000 Welcome Bonus Points, worth up to $625 in travel when booked through HSBC Travel, after spending $4,000 in the first 3 months. Rewards: 3× Points on gas and groceries; 2× Points on travel; 1× Points on other purchases. This product reports activity to your personal credit report. No annual fee. Requires HSBC Premier checking. 3x on dining, 2x on travel, 1x everything else. No foreign transaction fee. Equifax pull. Good for HSBC relationship banking.