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HSBC Bank USA HSBC Elite World Elite Mastercard vs HSBC Premier World Mastercard

Both are HSBC Bank USA cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. HSBC Elite World Elite Mastercard 1.0% 1x base rate
  2. HSBC Premier World Mastercard 1.0% 1x base rate

Dining

  1. HSBC Elite World Elite Mastercard 2.0% 2x
  2. HSBC Premier World Mastercard 1.0% 1x base rate

Groceries

  1. HSBC Premier World Mastercard 3.0% 3x
  2. HSBC Elite World Elite Mastercard 1.0% 1x base rate

Gas

  1. HSBC Premier World Mastercard 3.0% 3x
  2. HSBC Elite World Elite Mastercard 1.0% 1x base rate

Travel

  1. HSBC Elite World Elite Mastercard 5.0% 5x
  2. HSBC Premier World Mastercard 2.0% 2x

Vacation rentals

  1. HSBC Premier World Mastercard 2.0% 2x
  2. HSBC Elite World Elite Mastercard 1.0% 1x

Public transit

  1. HSBC Elite World Elite Mastercard 5.0% 5x
  2. HSBC Premier World Mastercard 1.0% 1x base rate

Tolls

  1. HSBC Elite World Elite Mastercard 5.0% 5x
  2. HSBC Premier World Mastercard 1.0% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge HSBC Elite World Elite Mastercard $495 and HSBC Premier World Mastercard $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: HSBC Elite World Elite Mastercard takes dining, travel, public transit and tolls; HSBC Premier World Mastercard takes groceries, gas and vacation rentals.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseHSBC Elite World Elite Mastercard1.0%
DiningHSBC Elite World Elite Mastercard2.0%
GroceriesHSBC Premier World Mastercard3.0%
GasHSBC Premier World Mastercard3.0%
TravelHSBC Elite World Elite Mastercard5.0%
Vacation rentalsHSBC Premier World Mastercard2.0%
Public transitHSBC Elite World Elite Mastercard5.0%
TollsHSBC Elite World Elite Mastercard5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. HSBC Elite World Elite Mastercard — 1.0%
  2. HSBC Premier World Mastercard — 1.0%

Dining

  1. HSBC Elite World Elite Mastercard — 2.0%
  2. HSBC Premier World Mastercard — 1.0%

Groceries

  1. HSBC Premier World Mastercard — 3.0%
  2. HSBC Elite World Elite Mastercard — 1.0%

Gas

  1. HSBC Premier World Mastercard — 3.0%
  2. HSBC Elite World Elite Mastercard — 1.0%

Travel

  1. HSBC Elite World Elite Mastercard — 5.0%
  2. HSBC Premier World Mastercard — 2.0%

Vacation rentals

  1. HSBC Premier World Mastercard — 2.0%
  2. HSBC Elite World Elite Mastercard — 1.0%

Public transit

  1. HSBC Elite World Elite Mastercard — 5.0%
  2. HSBC Premier World Mastercard — 1.0%

Tolls

  1. HSBC Elite World Elite Mastercard — 5.0%
  2. HSBC Premier World Mastercard — 1.0%
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